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No W-2? No Problem

Apply Now for a No Tax Return Home Loan.
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When you apply for a home loan, lenders traditionally ask you to share paperwork which proves your income.

Usually this includes forms such as W-2, tax returns, paycheck stubs, and so forth.

For many applicants, providing this paperwork is easy. But for others, it may be impossible. If for example you are self-employed, you do not have any W-2s, and providing other proof of income can be a hassle.

In those cases, using the No Tax Return method can save you time and help you qualify for a home loan fast.

We also offer P&L, CPA Letter Loans and bank statement loans.

Is a No Tax Return Home Loan Right for You?

A No Tax Return loan may be ideal for your needs if:

  • You are self-employed, and either lack the documentation to prove your income or would face overwhelming complexity in doing so owing to variance throughout the year.
  • Your debt-to-income ratio does not on its own indicate your financial viability (say for example because you are an investor in real estate).
  • You are in a state of transition with your employment. You may have your next job all lined up but may still lack the paperwork you need to qualify through traditional documentation.
  • If for any reason, stating your own income will be more convenient or complete than providing the customary paperwork, a stated income loan may be right for you.

Why work with us?

  • No need for W-2s, tax returns, pay stubs, or other documents.
  • Fast and straightforward application process.
  • Save time and reduce hassles.
  • Choose between a No Tax Return Loan or a Bank Statement Loan.
  • Perfect if you are self-employed, an investor, or are transitioning with employment.

Qualifying for a home loan doesn’t have to be difficult, even if you do not have a W-2 or your debt-to-income ratio does not tell the whole story.

Click below to apply for home purchase or refinance the fast and straightforward way with a No Tax Return loan.

Need help with No Tax Return loans and bank statement loans?

We would be happy to answer any questions you might have. The No Tax Return loan process is quick and easy, but we can walk you through it step-by-step if you need assistance.

Give us a call at:

(408) 599-3628

or email [email protected].

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For assistance in choosing the right loan program for your unique situation.

Feel free to call Loan Application (408) 599-3628

SOME OF OUR SATISFIED CLIENTS

Jackson Jeyapaul
Jackson Jeyapaul
16:50 15 Nov 18
Shawn was really great. He explained everything in detail and walked me through all the processes upfront. He was always available whenever i had any question. He offered a best competitive rate with different options. We highly recommend Shawn and C2 Financial!
sophia reyes
sophia reyes
01:27 03 Oct 18
I am so grateful to have found Shawn/C2 Financial! Words could not describe how blessed I feel to have found him! I was stuck in a financial situation that was tough for me to get out of, and had spoke to my credit union and one other bank, which advised me I had to wait another year before they were able to fund me. I found Shawn on Yelp, and based on his great reviews, I decided to follow through with him/C2 financial. I spoke to him around mid July and was funded by September! When I had been waiting on my Credit Union for 6 months before I decided to move on somewhere else!(Santa Cruz Credit Union if it means anything to anyone) Although he/it seemed to be a company with lots of clientele NEVER once! did I feel I was second to anybody. Even when he was on vacation he responded quickly to my emails when I really wasn't expecting him to. Shawn is truly a perfectionist in his profession, and a Blessing in disguise for me in my life. I will MOST DEFINITELY recommend Shawn/ C2 Financial to anybody and everybody! I could not thank you enough Shawn! I will definitely be doing business with you again in the near future :) Thank you!Sophia.
Chelsea Serna
Chelsea Serna
20:43 11 Sep 18
Shawn was a pleasure to work with! He helped us come up with a good solution that worked best for our situation. There were several life changes that happened during the whole process and was patient with us and helped us get everything together for a smooth closing. He always kept us updated on what was going and made the whole process less stressful. Thanks Shawn!
Avi Bhatnagar
Avi Bhatnagar
18:58 13 Jul 18
Shawn has been a subject matter expert in the loan & refinance industry, as his weekly blogs are very informative. I worked with Shawn and his team on getting my place refinanced, and it was a very smooth process. I liked the fact that the entire to qualify was all online, so having the automation made it very seamless. Also, Shawn and the team were responsive to all of my inquiries, which was helpful. I would highly recommend Shawn to others in the market.
RICHARD Gammad
RICHARD Gammad
08:44 04 Jun 18
Shawn has help my family twice, both times with a refinance with cash out. Shawn is patient, helpful, and very insightful about what is actually possible. The team he works with during the loan process are some of the most helpful people in the business. The refinancing process with C2 Financial was very smooth, and throughout the process you are informed of the next steps and the status of your loan. Shawn is also very willing to give you phone call to ease your concerns. I know in the future where to turn to when in need of a mortgage broker. Thanks again Shawn.
Tushar Arora
Tushar Arora
19:50 25 May 18
Shawn helped us in getting pre-approval as well as under-written for our home loan application. Being first time home buyers, it was amazing home he explained different terms and pieces in lending process. He has great deal of knowledge and is good in providing charts / detailed comparisons of different scenarios (like different downpayment amounts, total purchase price etc).Plus: Online application process, super easy to upload documents etc. Would definitely recommend him and his team..He should be able to help with loans for properties under litigations as well !!
Margaret Hirst
Margaret Hirst
17:00 16 May 18
Shawn and his people were fantastic. I never had a refi go this smoothly. They took care of everything and had a great product to boot. I would highly recommend C2 Financial.
Risa Harrison
Risa Harrison
17:31 14 May 18
Shawn is very detail oriented, timely, and helped us get the best rate for our home. As first time homebuyers he explained our different options to us, and answered our questions in a way we could understand. We highly recommend Shawn and C2 Financial!
Jana Chow
Jana Chow
19:16 19 Apr 18
My husband and I used Shawn to purchase our first home, and he made the process run smoothly from start to finish. He asked great questions to get a clear picture of what we were looking for, and he gave us a great menu of options to fit our needs and budget. He recommended that we set up a TBD loan, which made our offer stronger, and the escrow process shorter. In hindsight, I think having the TBD loan documentation in hand when we put in our bid was one of the reasons our offer was accepted. Shawn was incredibly professional and communicated well with our real estate agent and every other person involved with the loan underwriting process. He gave us all thorough information and provided us the best loan options available....and we closed in 3 weeks, in the most competitive market in the country! Couldn’t have done this without Shawn.
Anne Walker Citraro
Anne Walker Citraro
00:09 31 Mar 18
Sean,I just wanted to let you know that it was a pleasure working with you. It was great to receive your updates so that everyone knew where we were in the process. The seller's agent was able to keep her client informed, which made us all look good.You and your team performed on time, except for the slight delay by the seller at the end. I never had to bug you about anything. These are all signs of a good mortgage broker who does his job well.
Nanette G
Nanette G
07:16 14 Mar 18
I would highly recommend Shawn at C2 Financial. Shawn provided excellent customer service. He is very professional was great at keeping me informed, step by step on the refinance process. Thank you????
Julie&Ramon LeFrancois
Julie&Ramon LeFrancois
07:29 09 Dec 17
Shawn & his team got us pre approved at an excellent rate. When we went into contract he quickly and efficiently got our loan processed and easily had us ready to close in under 21 days. Shawn was alway ahead of the game. Highly recommended.
Andy K
Andy K
04:10 08 Dec 17
Shawn was referred to me by a friend to manage my mortgage loan life cycle from start to finish. I had an excellent experience with Shawn and his staff. It was easy. They were quick and effective at resolving issues and helpful in clarifying all of my questions and concerns. Shawn was professional, result oriented and focused while guiding me through my home purchasing process, helping me achieve the best possible outcome. I will recommend Shawn and his crew to my friends in the future. Shawn is simply excellent.
Cinto Sunny
Cinto Sunny
18:33 06 Dec 17
Shawn is a great mortgage lender who will be there for you till the home closing is done. He is very responsive, transparent, providing great rates. For a first time buyer like me, it was really important that I had somebody to help me out with all the doubts regarding loan escrow etc. and Shawn would always reply promptly and patiently. He made the whole home buying process a breeze. I would recommend Shawn for any mortgage brokering needs.
Mike Ramos
Mike Ramos
21:09 02 Oct 17
Communication communication communication has been top notch with Shawn. Through out the process Shawn was always quick to respond to any inquires or questions needed. Even when he was in another appointment he promptly let me know that he would get back right away. He actually did everything faster than what he promised. One of the best parts about his was his status updates. He did a very good job on keeping the buyers, sellers, selling agent, and listing agent informed to where everything was in the process. Transparency is key, and he did the best job at it. Shawn is one of the best and I wouldn't hesitate to recommend him and his services.
Next Reviews
C2 Financial Corporation - Shawn Sidhu
5.0
Based on 106 Reviews
Anne W.
Anne W.
2018-03-30 17:08:26
Sean,I just wanted to let you know that it was a pleasure working with you. It was great to receive your updates so that everyone knew where we were in...
Nanette G.
Nanette G.
2018-03-14 00:18:55
I had recently refinanced my home and had an excellent experience working with Shawn. Shawn at C2 Financial Corporation is very professional and he has...
Prakash A.
Prakash A.
2018-02-15 21:36:29
I've refinanced my home a couple of times, so fairly familiar with the process. Working with Shawn at C2 Financial on my refinance however was pleasantly...
Erik B.
Erik B.
2018-02-08 18:01:21
Another update. I used Shawn on a loan for purchasing a new house. He's streamlined the process even more and it was so easy and quick. I almost didn't...
Cinto S.
Cinto S.
2017-12-04 10:41:01
Shawn is a great mortgage lender who will be there for you till the home closing is done. He is very responsive, transparent, providing great rates. For a...
Syed Ibrahim M.
Syed Ibrahim M.
2017-11-11 18:40:29
I worked with Shawn for getting my pre-approval for our home in east bay area recently. He was referred to me by my realtor. Being first home buyers, Shawn...
Jeremy T.
Jeremy T.
2017-09-24 15:32:57
I recently worked with Shawn in finding and closing on a home in San Jose. He was referred to me by my realtor, and was instrumental in the process. His...