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No appraisal needed!

No Doc Home Equity Line of Credit (HELOC)

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
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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.

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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 mortgage 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!
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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.
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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.
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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.

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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.

First-Time Homebuyers' Delight

Suzie and the Truss Financial Group exceeded our expectations in securing our mortgage as first-time homebuyers. Suzie's expertise and guidance made the potentially daunting process incredibly smooth and manageable.

Robert F.

San Tan Valley, AZ, Software Engineer

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Great for Bank Statement Loans

I did a bank statement income loan and it chose to not include some deposits. This is just a heads up, not a complaint. Truss is definitely a good company, and I would ABSOLUTELY work with them again. Marcus was honest and helpful throughout the process.

Berj F.

Concord, CA, Business Owner

Personalized Service

"I am more than pleased to work with Delania Tak and would confidently recommend her to anyone seeking reliable assistance in securing a loan. Her commitment to excellence and personalized care make her an exceptional choice."

Howard L.

CA, Real Estate Investor

Cash-Out Refinance Made Easy

Thank you so much to Guillermo Correa and Truss Financial. They made doing my cash-out refinance a piece of cake! The interest rate was much lower than other lenders I checked with. The fees were reasonable, and the timeline was very smooth.

RealEstateLady 1.

Sandy, OR, Real Estate Broker

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Exceptional for Self-Employed

After months of struggling with other lenders, Paul at Truss Financial made it easy to complete a cash-out refinance of a new primary residence. As a small business owner and real estate investor, my income situation is complicated but Paul was able to guide me through the process with relative ease.

Baird K.

New York, NY, Small Business Owner and Real Estate Investor

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Innovative Solutions for Self-Employed

Garrett Jimenez was super creative and helpful every step of the way. Being self-employed makes getting a loan difficult. But he found ways to overcome each and every hurdle and really hit a home run for us.

Jason M.

Rancho Cucamonga, CA, Self-Employed Individual

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