No Tax Return Mortgages

No Tax Return Mortgages: Your Financial Freedom Awaits

Bypass tax return requirements. Designed for the self-employed and complex income scenarios.

Minimum Credit Score


Maximum Debt To Income


Maximum Loan To Value


Maximum Loan Amount

With 1 Application,130 Mortgage Lenders Will Compete For Your Business

Unlock unparalleled opportunities with a single application. Dive into a competitive marketplace where 130 top-tier mortgage lenders vie to offer you the best terms, ensuring you get the deal you deserve. It’s not just about choice; it’s about empowering you with the best options available.

🔒Does not Affect Credit. No SSN until you’re ready.

For many, navigating the mortgage application process can become complex, especially when it comes to tax returns. Whether you’re self-employed, recently retired, or someone who maximizes tax deductions, you may find that conventional loans don’t accurately represent your true financial strength. That’s where Innovative Mortgage’s No Tax Return Mortgage Programs come into play, providing solutions for those unique financial situations.

No Tax Return Mortgage Programs

Tailored for the Self-Employed and Recently Retired:

  • Self-Employed Individuals: If you’ve significantly reduced your taxable income through write-offs and deductions, conventional loans may not work in your favor, as they focus on net taxable income. Our bank statement mortgage option allows you to use 12 or 24 months of bank statements to demonstrate your income, ensuring that your earning potential is accurately assessed.
  • Recently Retired Borrowers: Transitioning to retirement can lead to a decrease in monthly income, potentially disqualifying you from the home you desire with traditional mortgages. Our asset-based programs consider your liquid assets and overall financial picture, rather than just monthly income, to help you secure the right home for your new stage in life.

Features of No Tax Return Mortgages:

  • Bank Statement Mortgages: A flexible alternative, allowing you to utilize personal or business bank statements to showcase your cash flow and income stability.
  • Higher Rates Yet No PMI: While the interest rates might be slightly higher, these loans typically do not require Private Mortgage Insurance (PMI), potentially offering significant savings.
  • Investment in Your Future: A higher rate doesn’t mean homeownership is out of reach. It’s about investing in your future and getting the home you really want, not just the one you can qualify for under the strict criteria of conventional loans.

Innovative Mortgage understands that financial situations can be as diverse as the clients we serve. Our No Tax Return Mortgage Programs are crafted to acknowledge the differing realities of income and affordability. We believe that a tax return shouldn’t be the sole measure of your ability to own a home.

Connect with Innovative Mortgage:

We invite you to reach out to us, without any high-pressure sales tactics or obligations. Our goal is to provide answers, discuss your unique situation, and explore the mortgage options that align with your goals. At Innovative Mortgage, we’re more than just lenders — we’re your partners in making homeownership a reality.

Contact us today to learn more about how we can assist you with a No Tax Return Mortgage and get you into the home you deserve.

Experience the Benefits of No Tax Return Mortgages


Save Time and Headaches

Simplify your loan process. No need to produce tax returns for loan approval.

Flexible Income Verification

We consider multiple income sources, making it easier for you to qualify.

Wide Range of Properties

From single-family homes to multi-unit properties, we've got you covered.

Considerations for No Tax Return Mortgages


Higher Interest Rates

Due to the flexible approval process, these loans may come with higher interest rates.

Requires Good Credit

While flexible, approval requires a decent credit score and stable income.

Key Issues That Will Get Early Attention

Understand Interest Rates
Let us guide you through the cost implications of your no tax return mortgage.
Credit Assessment
Our team will assist in optimizing your credit score to secure the best loan terms.
Property Suitability
Let’s find a loan that’s perfectly suited to your property and financial situation.
Swift Approval Process
We streamline every step to ensure a swift, smooth approval process.

We're Simply Better and Not Just on Price...


We Have More Lenders and More Loan Programs

Diverse Choices, Tailored for You: With a vast array of lenders and loan programs, we ensure a perfect fit for your unique financial needs.


Our Loyalty is To YOU not the lender

Your Interests, Our Priority: Our commitment is to you, not the lenders, ensuring unbiased and dedicated support throughout your mortgage journey.


Non QM, Convert to Cash and Flexible Funding Options Available

Flexible, Innovative Financing: Explore Non-QM loans, easy cash conversion options, and flexible funding solutions tailored for your financial freedom.

🔒No Credit Pull, No Obligation.

Compare For Yourself

Explore the difference that sets us apart in the financial world. See how our innovative services and unmatched benefits distinguish us from the competition, ensuring you make an informed choice.

Lightning Loans
Local Bank Branch
Big Name Online Lenders
Shops Hundreds of Lenders
Scans Thousands of Programs To Find You The Best Available
Is Loyal to Borrowers and Not Lenders
Has Multiple No Tax Return Mortgage Options
Can Show You Conventional and Non QM Options
Multiple 100% Financing Options for First Time Home Buyers
Can Do Hard Money, Bridge Financing and Other Unique Funding Types

🔒No Credit Pull, No Obligation.

You need a tenacious loan officer who has obsessively over-prepared and knows every single trick in the book to secure the ideal mortgage for your unique situation

And that is exactly what you'll find when working with me…

Read What Our Happy Clients Have to Say

Don't Wait, Secure Your Perfect Mortgage Today

Here's what you get when you apply with Lightning Loans by Innovative Mortgage

1. Unparalleled Access to Mortgage Options With a Single Application

With a single application, we’ll comparison shop thousands of loan programs across hundreds of lenders. 

This includes conventional loans at 130 different sources, FHA loans at 130 different sources, and even bank statement or no tax return options. If a mortgage product exists, we have access to it.

No more wondering if you’re getting the best deal – we’ll make sure of it.

2. Expert Guidance and Outstanding Communication

With over two decades of experience working with clients, I’ve developed a keen sense of what my clients need and when they need it. 

It’s almost like having a psychic connection!

I pride myself on putting my clients first and providing outstanding communication throughout the entire mortgage process.

3. A Faster, Easier Path to Perfect Mortgage Loans For Your Specific Situation

Say goodbye to the headaches and hassles of traditional mortgage processes. 

With Lightning Loans, you’ll enjoy a streamlined, efficient journey that gets you to your goals faster and with less stress.

You’ve got enough to worry about, let us put your mind at ease with regard to your mortgage financing.

We only request the things that are absolutely necessary 

4. The Peace of Mind Knowing You've Made the Right Choice Because You've Seen ALL Your Options

When you work with Lightning Loans, you’re not just getting a mortgage –

You’re getting a partner who is committed to your success.

We’ll go above and beyond to ensure that you’ve made the best possible choice for your unique situation.

These might just seem like words on a page but one conversation with us and it will be abudantly clear to we walk our talk.

Experts at your service.

Meet the experts committed to providing you with exceptional financial solutions


Andres Garcia

Loan Officer

Dedicated, high energy real estate expert that is adept at working with investors and traditional borrowers.

Your Contact

Andrew Kashella

Senior Vice President

Mortgage Industry veteran responsible for thousands of loan originations and billions in closings.


Bryan P. Ehrlich

CEO/General Counsel

Founder, Juris Doctor and Lead Counsel for Innovative Mortgage Services.