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NMLS #1212805. 17291 Irvine Blvd Suite 400 Tustin, CA 92780









Do you need to buy a home or refinance but can't because you can't prove your income?

Equinox Home Financing offers a no income verification loan.  Instead of asking for tax returns for income, we have the ability to use your business bank statements or personal bank statements to determine your cash-flow. Your cash-flow will be your income instead of what you file on your tax returns. If you don't have bank statements, don't worry we also offer a no income, no bank statement program too.

Why Equinox?

Here at Equinox Home Financing, we pride ourselves on providing solutions to self employed home buyers and borrowers. If you can't provide proof if income or you are like most other business owners who have an overage of tax deductions, we can help you!

What are you waiting for?

Call us today. A licensed representative is on stand by to help you with your financing needs. There's no need to wait any longer. Get financing now!

Watch our video

Here's a simple video to help explain how the program works. Take a minute to watch this before calling if you'd like.


See what our clients are saying...

"Equinox Home Financing helped me get into a home with no income documents other than my bank statements. I highly recommend them".

Edgar Paiz, Irvine CA

"...the team at Equinox helped us get into a home when we got declined everywhere else. We are self employed and it should be this easy for everyone. Thanks guys you get 5 stars!"

Jason and Renae Dazy, Los Angeles CA

Our licensed loan officers are ready to help answer any questions that you have. Taking an application over the phone could be as quick as 10 minutes.

We will review your loan application, your property will be appraised, underwritten, and approved.


  • NO 1040'S, Tax Returns, or W2  
  • Low Credit Scores OK- Programs start at 600 FICO Score
  • Interest Rates Start at 3.5% APR
  • Personal or Business Bank Statements
  • Equity Based Lending
  • Prior Foreclosure OK
  • Bankruptcy OK
  • Loan Amounts up to $3 million
  • Interest Only Available
  • Fixed or ARM Programs
  • Owner Occupied, Vacation Home, Investment Homes Acceptable

Call or Apply Online

Get Approved

Once all items have been satisfied and we are clear to close, loan docs will be drawn. You'll sign loan docs and your loan will fund.


How It Works

Recently Funded Deals

Los Angeles, CA

  • Fix and Flip
  • Purchase Price $450,000
  • Stated Income

Buena Park, CA

  • Bank Statement Program
  • 10% Down Payment

Aliso Viejo, CA

  • Business Bank Statement
  • Cash-Out Refinance
  • $300,000 Cash-Out

What is a Bank Statement Loan?

A Bank Statement loan is for someone who is self-employed. Typically this borrower has a lot of tax deductions and writes off a lot of expenses therefore on paper, the net income is too low to be used for a conventional loan program. Here at Equinox we verify your income or cash-flow by asking for 12 months of personal bank statements or 24 months of business bank statements to calculate what your monthly deposits are. We use the bank statements to calculate the average so that number can be used for your monthly income.

Is My Credit Score a Factor in Getting Approved?

When doing a stated income or bank statement program loan, we do look at your credit score. These programs are a lot more lenient than traditional loans are so we can go as low as a 500 FICO score at times. Also when doing a bank statement loan, we are very easy on past short sales, foreclosures, or derogatory credit. If your financial situation makes sense today, we can lend you the money you need for a bank statement purchase loan or a bank statement refinance loan.

What Kind of Loan Terms Do You Offer?

Bank Statement loans come in all types of loan terms. It's a very flexible program that can help you get the payment that you need. Bank Statement loans start out as a 5 Year Adjustable Rate Mortgage which will get you the best interest rates. If you want a longer term, we have a 7 Year Adjustable Rate Mortgage available and a 30 Year Fixed Rate option available as well. Some borrowers prefer interest only payments  which we can do as well so that you can keep you payments as low as possible.

How Do I Get Qualified? 

The process is simple. When most people call us, they are usually skeptical about the program and if they can really qualify. Here at Equinox Home Financing, we have been providing these programs since they have been made available and have been able to help many self-employed business owners purchase or refinance their homes. First step is to call us, a professional will help consult you and explain how our programs work in detail. There are many types of programs and it's best to speak with us so we can guide you in the right direction. Next, once we qualify you we can begin the process. It takes about 30 days to get a loan funded and closed.  

What Type of Properties Can I Finance?

It depends what type of loan program you are qualified for. With a bank statement loan program, we can offer this loan on a Owner occupied, vacation home, or an investment property. We are now also offering financing on Air BNB or Vacation rental properties. We can lend on single family residences, condo's and 1-4 unit properties. When doing a private money or hard money loan, they can be owner occupied as long as there is a business purpose for the cash-out but they are mainly for investment or rental properties. With hard money loans, we can lend on residential properties, mixed use properties, and commercial properties.

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