MGB Financial Services, Inc
18300 Gridley Road, Suite I
Artesia, CA 90701
Phone No: 562-809-2643/Fax No:562-809-0644
Email: MGBLoan@yahoo.com
BRE# 00984310
NMLS# 257-608/280-127
Conventional Loans
No Tax Return" Non-QM Loans are mortgage products designed for borrowers who can't qualify using traditional income documentation (like W-2s or tax returns), often used by self-employed individuals, business owners, or retirees with non-traditional income sources.What Is a No Tax Return Non-QM Loan?
Non-QM (Non-Qualified Mortgage) loans are designed for borrowers who don’t meet the strict guidelines of conventional loans (Fannie Mae/Freddie Mac).
A No Tax Return Non-QM loan specifically allows you to qualify without submitting tax returns — instead, lenders use alternative documentation.
Common Types of Income Documentation Used
Instead of tax returns, these loans typically rely on:
- Bank Statement Loans
- Use 12–24 months of personal or business bank statements to verify income.
- Good for self-employed borrowers.
- Asset Depletion Loans
- Use existing assets (e.g. retirement accounts, investments) to calculate "income".
- 1099 Income Loans
- Use 1099s from contract/freelance work as proof of income.
- P&L Statement Loans
- Use a Profit & Loss statement (often CPA-prepared) instead of tax returns.
Who Typically Uses These?
- Self-employed individuals
- Business owners
- Real estate investors
- Retirees with assets
- Gig workers and freelancers
Highlights
- No need for tax returns or W-2s
- Flexible underwriting guidelines
- Allows for higher debt-to-income ratios in many cases
- Alternative income types accepted
Always check current availability, as non-QM offerings can vary or pause based on market conditions.
Why Pre-Qualify with Us?
Quick & Simple Process
Get pre-qualified quickly — no complicated paperwork or long waits.
Shop with Confidence
Know your budget upfront and show sellers you’re a serious buyer.
Soft Credit Check
Protect your credit score — our pre-qualification won’t hurt it.
Honest & Transparent
No hidden fees. Just clear guidance to help you make smart investment decisions.
Ready to Get Started?
Fill out the application below to get pre-qualified for a purchase loan today!
It’s quick, secure, and helps you understand how much home you can afford.
Start Your Pre-Qualification Application Now
Need Help?
If you have any questions or need assistance with the application,
don’t hesitate tocall us at 562-809-2643
we’re here to help every step of the way!
Why Pre-Qualify with Us?
Get pre-qualified quickly — no complicated paperwork or long waits.
Shop with Confidence
Know your budget upfront and show sellers you’re a serious buyer.
Soft Credit Check
Protect your credit score — our pre-qualification won’t hurt it.
Honest & Transparent
No hidden fees. Just clear guidance to help you make smart investment decisions.Ready to Get Started?
Fill out the application below to get pre-qualified for a purchase loan today!It’s quick, secure, and helps you understand how much home you can afford.
Start Your Pre-Qualification Application
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