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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) 610-8011


John Christopher
John Christopher
04:00 24 Apr 19
Working with Shawn was amazing! We closed our mortgage quickly and he was with us every step of the way. He was quick to respond to questions and was proactive at checking in with us. Shawn helped us navigate challenge of getting a Washington state home while our family is currently living in California. We highly recommend Shawn and C2 Financial for making the process painless!!
Ken Fernandez
Ken Fernandez
21:30 13 Mar 19
Shawn and team moved mountains to solution my loan in an extremely short turn-around time. Nothing slipped throughout the entire process and communication was exactly what you hope for instead of biting your nails uncertain what to expect. I didn't have time to hand hold, but also needed quick answer to the questions I did have. Shawn had me covered on all fronts and it was a great crossing the finish line on time. Strongly recommend ! I wish he had a brother that works on cars :-)
04:31 02 Mar 19
We were referred by our realtor to Shawn for the financing of our home purchase. The whole process went very smooth! As stressful as buying a home is, this financing part of the process was easy. The online uploading of docs was straightforward, and we were always kept in the loop about progress and what to expect next. Will definitely keep Shawn and his team in mind for any future needs!
Elizabeth R Barajas
Elizabeth R Barajas
02:13 10 Jan 19
Shawn is great! He helped us get our mortgage in just 28 days! We couldn't have asked for someone better to work with. He is a go-getter and won't stop until he helps you get the best for you. Shawn was available any time we needed to ask a question or when we had any concern. He also offered us a few options to choose from so we had control over our situation from the beginning. I highly recommend you give him a call. Thank you Shawn for all your help. We could definitely not have done it without you.
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.