DISCOVER FLEXIBLE FINANCING

No W-2s, Paystubs or Tax Returns

ALLOWING YOU TO ACCESS LOANS WITHOUT THE NECESSITY OF W2S OR EMPLOYMENT VERIFICATION

If you are looking to buy your dream home or investment property, schedule a call with us today to explore your options and find out how we can help you navigate the difficulties of qualifying for a loan with a cash business.

HOME FINANCING SOLUTIONS FOR CASH BUSINESS OWNERS

20% down payment 720 FICO

12 months reserves

25% down payment 680 credit score

6-9 Months Reserves

35% Down payment 660 credit score

9 Months reserves

Gift Funds allowed. Funds DO NOT need to be seasoned!

Asset seasoning only 30 days!

Running a cash business can make it difficult to qualify for loans and mortgages, as traditional banks often require specific documents to prove income. This can be challenging for those who rely on tip money and do not have the necessary paperwork, such as tax returns or W-2s.

However, there are alternative programs that do not require these traditional documents, making it possible for individuals to still qualify for home loans. The best part is, it's 100% legal!

OVERCOME LOAN CHALLENGES:

Reserves refer to the funds that a borrower has in their savings or checking accounts, or other liquid assets, which are available after the down payment and closing costs are paid. These reserves are meant to cover future mortgage payments, property taxes, insurance, and other associated costs.

WITHOUT TAX RETURNS OR EMPLOYMENT VERIFICATION

The ideal candidate for no income check or employment verification programs includes:

Self-Employed Individuals: Those who run their own businesses and may not have traditional pay stubs or consistent income documentation.

Service Industry Workers: Bartenders, barbers, nail technicians, and other service professionals who may rely heavily on tips and cash payments, making traditional income documentation difficult.

Individuals with Substantial Savings: People who have saved enough money to cover the loan but don't have a steady job or regular income.

Waiters/Waitresses: Rely heavily on cash tips in addition to their base salary, resulting in fluctuating income.

Massage Therapists: Receive a mix of cash payments and tips, making it hard to document consistent earnings.

Landscapers/Gardeners: Many clients prefer to pay in cash, and the seasonal nature of work results in variable income.

Don't let running a cash business hold you back from owning your dream home.

Contact us today to discover how our 100% legal alternative loan programs can help you qualify without traditional documents.

Schedule a call with us now to explore your options and take the first step towards homeownership!