• This field is for validation purposes and should be left unchanged.


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

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

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 of income or you are like most other business owners who have an overage of tax deductions, we can help you!

How It Works

Get Approved

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

Call or Apply Online

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.


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.


  • NO 1040’S, Tax Returns, or W2
  • Low Credit Scores OK- Programs start at 600 FICO Score
  • Interest Rates Start at 3.5% APR
  • 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

What is a Bank Statement Home Loan?

A Bank Statement Home 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 have the option to State your income and we verify that 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.

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 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.

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.

Recently Funded Deals

Recently Funded Deals

Los Angeles, CA

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

Buena Park, CA

  • Bank Statement Program
  • 10% Down Payment

Aliso Viejo, CA

  • Stated Income
  • Cash-Out Refinance
  • 2nd Trust Deed

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.

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!

Call us today at (888) 505-6870


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

add chat to your website