Get a Mortgage
Without Tax Returns
Self-employed or 1099? Qualify on your bank statements or go full no-doc—no tax returns required. Purchase, refinance, or pull cash out.
- No tax returns needed
- Up to 90% loan-to-value
- Credit scores from 640
- Built for self-employed & 1099
Your Mortgage, Made Simple
We take the stress out of getting a mortgage so you can focus on finding your dream home.
Traditional Banks
- ✗Weeks of paperwork and waiting
- ✗One-size-fits-all loan programs
- ✗Slow, impersonal process
- ✗Limited rate options
LoanGuys
- ✓Pre-qualify in just 2 minutes
- ✓Multiple loan programs to fit your needs
- ✓Dedicated specialist guides you through
- ✓Competitive rates from top lenders
Mortgage Options for Every Buyer
No matter your situation, we have a loan program for you
Conventional Loans
Traditional mortgage financing with competitive rates for qualified borrowers with good credit.
- As low as 5% down
- Fixed & adjustable rates
- Primary & second homes
FHA Loans
Government-backed loans with lower down payment requirements, perfect for first-time buyers.
- As low as 3.5% down
- Flexible credit requirements
- First-time buyer friendly
DSCR Loans
Qualify based on rental income, not personal income. Ideal for real estate investors.
- No personal income required
- Investment properties only
- Close in LLC or entity
Bank Statement
Use 12–24 months of bank statements instead of tax returns to verify your income.
- No tax returns needed
- Great for self-employed
- 12 or 24 month options
Profit & Loss
Qualify using a CPA-prepared profit and loss statement. Perfect for business owners.
- CPA-prepared P&L accepted
- Flexible documentation
- Ideal for business owners
ITIN Loans
Home financing for borrowers with an Individual Taxpayer Identification Number.
- No SSN required
- Competitive rates available
- Purchase & refinance
Foreign National
Mortgage programs for non-US citizens looking to purchase property in the United States.
- No US credit history needed
- Valid passport accepted
- Investment & primary homes
Jumbo Loans
Financing for high-value properties that exceed conventional loan limits.
- Loan amounts up to $5M+
- Competitive jumbo rates
- Luxury property specialists
See If You Qualify
Our straightforward requirements make it easy to get started
Perfect For:
- First-time home buyers
- Growing families needing more space
- Homeowners looking to refinance
- Move-up buyers upgrading their home
- Investors purchasing rental properties
- Anyone looking for competitive rates
Basic Requirements:
- 640+ credit score
- $100,000+ loan amount
- Stable employment history
- Verifiable income (W-2, pay stubs)
- Manageable debt-to-income ratio
- Down payment (varies by program)
Competitive Terms & Rates
Transparent terms designed to get you the best deal
3 Steps to Your New Home
Getting your mortgage doesn't have to be complicated
Quick Pre-Qualification
Answer a few simple questions online - takes less than 2 minutes, no paperwork needed
Expert Guidance
A dedicated loan specialist reviews your profile and finds your best options
Close & Move In
Fast approval and closing so you can get the keys to your new home
Happy Homeowners
Join thousands of families who found their perfect mortgage with us
Made buying easy!
As a first-time buyer, I was nervous about the mortgage process. LoanGuys walked me through every step and found me a great rate. I closed on my dream home in just 25 days!
Saved $400/month!
I refinanced with LoanGuys and cut my monthly payment by over $400. The process was quick, easy, and my specialist answered every question I had along the way.
Fast and professional
After being overwhelmed by big bank paperwork, LoanGuys made it simple. Pre-qualified in minutes and closed in three weeks. Couldn't be happier with my new home!
Frequently Asked Questions
Qualification depends on several factors including your credit score, income, debt-to-income ratio, and down payment amount. Our quick pre-qualification quiz takes less than 2 minutes and gives you an instant answer. Generally, you'll need a FICO score of 640+, stable income, and a down payment of at least 3-20% depending on the loan program.
For our programs, we typically require a minimum FICO score of 640. However, different loan programs have different requirements - FHA loans may accept lower scores while conventional loans may require higher scores for the best rates. We'll help you find the right program for your situation.
Down payment requirements vary by loan program. Conventional loans typically require 5-20% down, FHA loans can go as low as 3.5%, and VA loans may require 0% down for eligible veterans. A larger down payment can help you secure better rates and avoid private mortgage insurance (PMI).
Our streamlined process can get you pre-qualified in minutes and fully approved in as little as 14-30 days. The exact timeline depends on your documentation, property appraisal, and other factors. We work efficiently to ensure a smooth, fast closing.
If you're buying a new home, you'll need a purchase loan. If you already own a home and want to take advantage of better rates, lower your monthly payment, or tap into your home's equity, refinancing may be the right choice. Our quiz helps you get started with either option.
Typically you'll need proof of income (pay stubs, W-2s, tax returns), bank statements, identification, and information about your debts and assets. Our loan specialists will guide you through exactly what's needed for your specific situation.
Yes! We work with multiple lenders to find you the most competitive rates available. Rates vary based on your credit score, loan amount, down payment, and other factors. Our pre-qualification process helps us match you with the best available rates for your profile.
No! Our pre-qualification process is completely free with no obligation. It takes less than 2 minutes to complete and gives you an instant answer. There are no hidden fees or charges for getting started.
Ready to Find Your Mortgage?
Take the first step toward homeownership. Get pre-qualified in just 2 minutes with no obligation.
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