Skip to content

Skip the Appraiser. Access Your Equity in Days, Not Weeks.

Why wait for a manual appraisal when the data is already here? Our No-Appraisal HELOC uses advanced Automated Valuation Models (AVM) to approve your line of credit instantly. No in-person visits. No appraisal fees. Just fast capital.

Apply Now

 

Click on the Video to Learn More

The Frictionless Way to Tap Into Your Home’s Value.

undefined-Jan-12-2026-04-08-07-8272-PM

 

The old way of getting a HELOC is broken. Scheduling an appraiser, cleaning your house for a walkthrough, and waiting weeks for a report costs you time and money.

At Truss, we’ve digitized the process. By leveraging real-time market data and local sales trends, we determine your home’s value in seconds.

  • Zero In-Person Visits: No strangers walking through your home.
  • Zero Appraisal Fees: Save $600–$1,200 in upfront closing costs.
  • Immediate Decisions: Our tech integrates with local property databases for a "Yes" while other banks are still "Reviewing."

Engineered for Speed. Built for You..

home-built-truss

  • Max Loan Amount: Up to $500,000 (No-Appraisal Limit).
  • Credit Score: 660 minimum.
  • CLTV: Up to 85% (Combined Loan to Value).
  • Property Types: Single-family, Townhomes, Condos, and Investment Properties.
  • Interest Rates: Competitive fixed and variable options.
  • Funding Speed: Funds wired in as little as 5 business days.

Traditional Appraisal vs. Truss No-Appraisal Method

 

Feature Traditional HELOC Truss No-Appraisal HELOC
Valuation Method Manual In-Person Inspection Automated Valuation Model (AVM)
Appraisal Fee $600 – $1,500 **$0**
Time to Value 10 – 21 Days Instant (Seconds)
Home Preparation House must be "Show Ready" No Preparation Required
Total Funding Time 30 – 45 Days 5 – 7 Days

The 5-Day Funding Roadmap.

growth

Apply Online (3 Mins)

Provide your address and mortgage balance. Our system pulls a "Desktop Valuation" immediately.

agreement

Instant Verification

Connect your accounts for income verification (no tax returns needed for most files).

network connection

Electronic Closing

Sign your documents from your phone or laptop.

money bag

Cash Disbursed

Funds are wired directly to your checking account or existing mortgage.

Have a low first mortgage rate? Can't show tax returns?

Truss Financial Group can help you qualify and get the best rate, term, and fees on a No Tax Return HELOC. We offer No Doc HELOC mortgages at the lowest possible rates when needed, but we also offer a variety of alternative mortgages to keep your rates and fees even lower.

 

Primary residence
Second home
Investment property
Mortgage-App

In some situations, a “No Tax Return HELOC” mortgage is the best or only option. 

That’s a loan that requires very limited to no documentation of income or ability to repay. No Doc loans are sometimes known as a No Tax Return Mortgage or a No Income Verification Mortgage. And typically, “no-doc” mortgages are handled by Hard Money lenders that charge super-high rates. Usually, we can help you avoid that. For example, if you're an investor, we can help you qualify using a DSCR loan -where approval is based on your property's cash flow, not your personal income. 

Talk to Truss. Find out how easy it is to get the mortgage money you need at the lowest possible rates.

Income-Statement

TrussFinancial:
Proudly recognized as a Best Mortgage Lender for the self-employed and real estate investors

We offer a wide array of home loans for the self-employed, including Stated Income loans (a/k/a NonQualified loans). We offer Bank Statement loans, Asset Depletion loans and more. And if you’re trying to finance a rental property, we offer DSCR loans based on Debt Service Coverage Ratio, and even “No-Ratio” loans.

No DocHELOC

No DocHELOC

No Doc HELOC's don't require any documentation of income or proof of ability to repay. So if you're looking for a no income verification mortgage, a home loan without tax returns or to refinance with no income, you may need a true No Doc loan. But in many cases, we have ways to help you qualify with lower rates and fees. 
Bank Statement HELOC

Bank Statement HELOC

If your business shows consistent income, a bank statement HELOC can help you qualify for a mortgage despite taking many write-offs. We use anywhere from 3-24 months of your business or personal bank statement deposit history, then divide it in half to compensate for your expenses. We use the resulting number to document your monthly income and help you qualify for a low-rate mortgage loan.

 
No Tax Return HELOC

No Tax Return HELOC

Forget about tax returns and income verification! With our No Doc HELOCs, you won't need to provide any documentation of income or prove your ability to repay. Whether you're in search of a mortgage without income verification, a home loan without tax returns, or looking to refinance with no income, our true No Doc loan is the perfect solution for you. And the best part? We have various ways to help you qualify with lower rates and fees. Let us take care of the paperwork while you enjoy the benefits!
Mortgage-Meeting-Handshake
When all else fails, a No Doc Loan can make it happen.
Sometimes, a person who’s self-employed or a real estate investor has no way to document income or to prove they can repay a mortgage loan. In these cases, a No Doc loan offers offer opportunities other loans can’t.
Often, Truss Financial can help you avoid the kind of high rates and fees charged by Hard Money lenders. We can offer a Bank Statement Loan for your primary residence, or a Debt Service Coverage Ratio (or DSCR) loan when financing a rental property.
Considering-the-Purchase
Do You Expense Your Personal Life Through The Business?
Deducting expenses through your business is smart. It’s a common entrepreneurial practice that makes it nearly impossible to qualify for most mortgages. But not with a Bank Statement mortgage from Truss.
We use either your business or personal bank statement deposit history, and divide it in half to compensate for expenses. This yields a monthly income figure that qualifies you for a no-income-verification loan at a surprisingly low rate. A Profit/Loss Statement from your CPA may help you qualify for even more.
Young-Couple-Signing
Cash Flow Loans for Real Estate Investors
Many real estate investors have trouble qualifying for mortgage loans at reasonable rates. They're often forced into hard-money loans with a rate of 8, 9, 10% or higher. Not with Truss Financial group.
Unlike traditional banks, Truss offers Debt Service Coverage Ratio (DSCR) loans (Check if you are eligible). As long as the rental income covers your debt service, you’ll qualify. We offer 30-year fixed-rate loans from $100,000 thousand to $3,000,000. No personal income or tax returns needed, and you’ll never sign a 4506. With Truss, you can even fund into an LLC and non-warrantable condos are welcome.

Built by entrepreneurs for entrepreneurs™

Jeff Miller and Jason Nichols created Truss Financial Group to help clients avoid the disappointments they themselves had experienced as self-employed real estate investors. After the financial crisis of 2008, and in the wake of greater government regulation of traditional banks, Jeff and Jason got tired of applying for mainstream mortgages, getting denied, and resorting to hard money loans at high rates.

They solved their own problem by bringing together a group of non-traditional banks and financial funds specifically to support the self-employed and real estate investors. Now with decades of experience and an expert mortgage lending team, you won’t find advisors with a greater ability to help you qualify for the loan you need at the lowest possible rate.

truss financial group

See what our clients say about us

We are humbled by the kind words of our clients. And we are happy that we were the ones to help turn their mortgage goals into reality.

HELOC closed in under 15 days

Marshall was kind, patient, polite and professional with me. We got a HELOC loan and in less than 15 days they were able to do the closing! It was a great experience!

Marislea R.

Best loan officer in 37 years of real estate

Marshall was absolutely THE BEST mortgage loan officer I've ever dealt with and I have been a Real Estate Broker for 37 years! He is knowledgeable, professional, and prompt in communication.

Shelia S.

HELOC approved when others said no

All the other lenders turned me down but Caesar was able to get me the HELOC I needed and saved me. It was fast and is already finished.

Ronny T.

Informative HELOC process

I worked with Reza & Delania & they were very informative regarding my HELOC and the process was easy!

Daniel R.

Smooth HELOC and first rental purchase

Delania quickly got us done on our HELOC and has been instrumental in helping us purchase our first rental property. We will continue to work with her and the team at Truss.

Justin S.

Easy HELOC for self-employed

Chris was a great help and the whole experience was super easy. I needed this type of HELOC as I am self employed.

Scott D.

Solution when no one else would help

Marshall and Betty worked incredibly hard on our 2nd mortgage. NO OTHER company would help us the way they did. They found a solution that made sense and held our hand throughout the process.

Liz W.

Qualify For Your Low-Doc HELOC Today

  • 620 min FICO
  • Soft credit pull
  • No appraisal 
  • No Tax Returns
  • Fund in as little as 7 business days

 

No-Appraisal HELOC Questions.

Is an AVM as accurate as a real appraiser?

In 2026, AVM technology uses billions of data points, including recent neighborhood sales, tax records, and market volatility. While it doesn't see your new marble countertops, it provides a highly accurate "market-level" value that is perfect for establishing a line of credit quickly.

What if I think my house is worth more than the AVM says?

If our automated system doesn't capture the full value of your recent high-end renovations, you always have the option to upgrade to a "Hybrid" or "Full" appraisal to unlock even more equity.

Can I get a no-appraisal HELOC on an investment property?

Yes. We offer no-appraisal options for non-owner-occupied rentals, provided we have enough historical data for the area.

Are there any hidden fees since there is no appraisal?

No. We pride ourselves on transparency. By removing the appraisal, we actually remove the most common hidden cost in the lending process.

The Fastest Way to a Checkbook Full of Equity.

Don't wait for an appraiser to tell you what your home is worth. See your instant borrowing power right now.

GET MY INSTANT VALUATION