Buy Or Refinance Your Home. No Tax Returns Required! LTV Up To 75% For Cash Out Or 80% For Home Purchases.




Do you need to buy a home or refinance but can't because you can't prove your income? 

Equinox Home Financing offers a No Income Verification loan. This program does not require any income documents. To qualify, you need a 640 credit score or higher, 20% down payment, and some assets in your bank. You can use this loan to buy a home, refinance, or take cash out. Give us a call today, our team can answer any questions you may have.


Call or Apply Online

Our licensed loan officers are ready to help answer any questions that you have. Taking an application over the phone could be as quick as 10 minutes. 

Get Approved

We will review your loan application, your property will be appraised, underwritten, and approved. 


Once all items have been satisfied and we are clear to close, loan docs will be drawn. You'll sign loan docs and your loan will fund. 


Here at Equinox Home Financing, we pride ourselves on providing solutions to self employed home buyers and borrowers. If you can't provide proof if income or you are like most other business owners who have an overage of tax deductions, we can help you! 


Los Angeles, CA 

Fix and Flip

Purchase Price $450,000

Stated Income

Buena Park, CA

Bank Statement Program

10% Down Payment

Aliso Viejo, CA

Stated Income

Cash-Out Refinance

2nd Trust Deed

☏ 1-855-629-9062

What are you waiting for?

Call us today. A licensed representative is on stand by to help you with your financing needs. There's no need to wait any longer. Get financing now! 

Apply Now☏ 1-855-629-9062


See what our clients are saying

"Equinox Home Financing helped me get into a home with no income documents other than my bank statements. I highly recommend them".

Edgar Paiz, Irvine CA

"...the team at Equinox helped us get into a home when we got declined everywhere else. We are self employed and it should be this easy for everyone. Thanks guys you get 5 stars!" 

Jason and Renae Dazy, Los Angeles CA


All rights reserved Copyright © 2015 Equinox Home Financing, Inc | Licensed by the California Bureau of Real Estate License # 01961837 | Arizona MB-0945174 and the NMLS License # 1212805 | NMLS Consumer Access PortalPrivacy Policy | Texas State Compliance

NMLS #1212805. 17291 Irvine Blvd Suite 400 Tustin, CA 92780

A No Income loan is for someone who is can't prove their income. Typically this borrower has a lot of tax deductions and writes off a lot of expenses therefore on paper, the net income is too low to be used for a conventional loan program. Here at Equinox we have the option to not use your income documents such as tax returns or w2. We verify income by asking for proof of assets only. As long as a homeowner or buyer can demonstrate that they have enough money in the bank to continue making on time payments, they are qualified for the loan program.

When doing a No Income loan, we do look at your credit score. These programs are a lot more lenient than traditional loans are so we can go as low as a 640 FICO score at times. Also when doing a No Income loan, we are very easy on past short sales, foreclosures, or derogatory credit. If your financial situation makes sense today, we can lend you the money you need for a bank statement purchase loan or a refinance loan.

No Income loans come in all types of loan terms. It's a very flexible program that can help you get the payment that you need. No Income loans are available as a 5 Year Adjustable Rate Mortgage which will get you the best interest rates. If you want a longer term, we have a 7 Year Adjustable Rate Mortgage available and a 30 Year Fixed Rate option available as well. Some borrowers prefer interest only payments which we can do as well so that you can keep you payments as low as possible.

The process is simple. When most people call us, they are usually skeptical about the program and if they can really qualify. Here at Equinox Home Financing, we have been providing these programs since they have been made available and have been able to help many self-employed business owners purchase or refinance their homes. First step is to call us, a professional will help consult you and explain how our programs work in detail. There are many types of programs and it's best to speak with us so we can guide you in the right direction.

It depends what type of loan program you are qualified for. With a No Income loan program, we can offer this loan on a Owner occupied or second home property only. We can lend on single family residences, condo's and 1-4 unit properties.


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