We have programs designed for those who deduct a substantial amount of their income from tax returns. For purchase or refinance. No income verification is required. All other verifications and restrictions apply so it is very competitive with current rates. The difference in rate is usually .5% from the typical rates.

Income and employment are based on the borrower's loan application. Income verification such as W-2s, pay stubs, 1040s and Profit and Loss statements are not required.
Verbal employment verification.
No income restrictions.
Assets - three months of bank statements, verification of deposit with three month average.
Two years with current employment of business.
Two - six months PITI (Principal, Interest, Taxes and Insurance) in cash reserves