No Tax Return & Stated Income Loan Products
Tailored Mortgage Solutions for the Self-Employed, Real Estate Professionals and the Recently Retired.
At Insignia Mortgage, we understand that traditional income verification methods don’t always reflect the true financial standing of the self-employed and recently retired. That’s why we’ve curated a suite of specialized loan programs designed to accommodate the unique financial profiles of real estate professionals, entrepreneurs, and those enjoying retirement. With our deep industry connections and core expertise, we offer the ideal mix of customized products to meet your diverse needs.
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Unlock the potential of your financial assets with our no-tax return, no-income verification and stated income loan programs. Tailored for individuals with excellent credit, strong liquid reserves, or significant balance sheet assets, these loans facilitate new home purchases, refinancing, or cash-out options. Our partnerships with boutique banks and credit unions ensure we match your unique financial profile with lenders who understand your value.
Key Features:
- Qualify by utilizing your income and your assets including private investments and real estate.
- Loan amounts up to $10M, with exceptions for larger sums.
- Welcoming primary residences, second homes, and investment properties.
- All entity types including irrecovable trusts, LLC’s, and corporations welcomed.
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Designed for the self-employed who maximize tax deductions or those balancing W-2 and self-employment income, our bank statement only programs focus on cash flow analysis. By partnering with forward-thinking banks, we offer favorable terms for those with a middle credit score above 660.
Key Features:
- Use 12-24 month of business or personal bank statements to qualify. The program does not require a review of tax returns.
- Loan amounts up to $10M. Loan to value up to 90% of property value.
- Ideal for primary residences, second homes, and investment properties.
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Experience the ultimate in privacy and simplicity with loans based solely on creditworthiness and liquid reserves. Without delving into employment history, these loans require a 40% down payment for purchases or 60% home equity for refinances, catering to borrowers with a minimum middle credit score of 680.
Key Features:
- Focus on down payment and reserves. No income or employment verification required
- Available for various property types. Loan Amounts up to $5M
- Foreign national and domestic borrowers welcomed.
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Our CDFI (Community Development Financial Institution) loans are designed to support low-income or self-employed individuals and underserved communities. With competitive rates and up to $3 million in financing available, these loans require as little as a 30% down payment.
Key Features:
- Designed for those borrowers who work in the gig economy or cannot product income documentation
- No mortgage insurance required
Why Choose Insignia Mortgage?
- Strategic Partnerships: Access to a network of specialized lenders ensures the best fit for your financial situation.
- Whether you’re purchasing a new home, refinancing, or seeking liquidity, Insignia Mortgage is here to guide you through every step. Contact us today to explore how our tailored mortgage solutions can unlock new possibilities for your financial future.
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Our No Tax Return Program utilizes the following alternative financial documentation:
Recent self-employed income verification.
CPA-prepared profit-and-loss statements and balance sheet.
Divorce and retiree income.
Real estate schedules and liquid asset statements.
Loan Transaction Spotlight
The Situation: Insignia Mortgage helped a client who owned over 25 different tax entities and over 20 different properties to purchase a $8.5 million primary residence with 60% lender financing.
The Solution: Insignia Mortgage underwrote the cash flow and approximate net equity in the borrower’s real estate holdings and verified the down payment from several business bank accounts. A complex vesting structure to a corporation with borrower guaranteeing the home loan was approved by the lender. The loan was approved based on the borrower cash flow and net worth as the borrower would not have qualified solely on their tax returns.
The Loan Details:
- $5.1 million loan amount
- 7/1 ARM
- 5.50% APR
- No prepayment penalty on a 30-year term
- Closed in under 30 days
From my early career as a sales associate through my years as the owner of a successful Los Angeles-based real estate company, I gained solid respect for the important role a mortgage lender plays in the successful purchase of a residential property. In my experience, Insignia Mortgage consistently accomplished what others could not. I not only use the firm for my personal finance needs but unhesitatingly recommend Insignia to my friends and colleagues.
John Aaroe, Owner, John Aaroe Real Estate
I have done business with Chris Furie for over 20 years and I look to Chris and Damon to source financing on my most complex transactions that require an out-of-the-box lending solution.
Kurt Rappaport, Westside Estate Agency, Wall Street Journal #4 Ranked Realtor 2013
I want to thank you for your help in getting me my loan. You not only got me a great loan that I’m very happy with, but you stayed on it from beginning to end and made me feel very comfortable through the process. You are the best in the business and I would suggest you to anyone buying a house.
Jay Luchs, Newmark Grubb Knight Frank
For over 14 years, I have used Chris’ services to obtain mortgage loans for many of my high-end clients as well as my own mortgage needs. He consistently provides the best terms and rates available in the market place. I will continue to recommend him to my friends and clients in the future.
Joyce Rey, Executive Director Coldwell Banker Previews International
Chris is highly attuned to the needs of the borrower and tailors his loan recommendations accordingly. No matter how complex the terms may be, I can always count on Chris to deliver my clients the best deal possible, on time and without fail.
