Jun 9, 2025
Process
If you're self-employed, a freelancer, or newly moved to the U.S., you can still qualify for a mortgage even without traditional income documents like W2s or tax returns. Here’s what you need to know.
The Traditional Mortgage Model Doesn’t Work for Everyone
If you’ve ever applied for a loan, you’ve likely been asked for W2s, tax returns, and a long credit history. But what if you’re self-employed? Or new to the U.S. with no Social Security number? Or just someone with a non-standard income stream?
At Sandrine Capital, we specialize in low-documentation, flexible lending that makes financing possible — even when traditional banks say no.
What Is a “No W2 / No Tax Return” Mortgage?
This simply means we don’t require:
W2s (used for salaried employees in the U.S.)
Tax returns for the past 1–2 years
Instead, we use alternative ways to verify your income, like:
A 12-month CPA-prepared Profit & Loss statement
A Verification of Employment (VOE) from your employer
Recent bank statements
Asset documentation to show reserves or liquid wealth
Who Is This Type of Mortgage For?
This kind of loan is ideal for:
Self-employed professionals (entrepreneurs, consultants, freelancers)
1099 earners
Immigrants or foreign nationals without an SSN
First-time buyers with limited credit history
Real estate investors using LLCs or corporations
High-asset clients using asset utilization or depletion strategies
Real Example: Meet Priya, a Freelance Designer
Priya moved to the U.S. two years ago, working independently for global clients. She had good savings and strong monthly income — but no W2s and a thin U.S. credit file.
Traditional banks denied her mortgage application.
Sandrine Capital helped her qualify using her bank statements and a CPA-certified income letter. Within two weeks, she was pre-approved and well on her way to buying her first home in the U.S.
How to Get Started
Gather your documents:
P&L Statement (if self-employed)
1–2 months of bank statements
ID (passport, ITIN, etc.)
Employer or CPA contact info
Submit a quick loan inquiry on our website (or contact us directly)
Get guidance from a real lending advisor — no bots, no complicated portals
Final Thoughts
You shouldn’t need perfect paperwork to buy a home.
At Sandrine Capital, we look at your real story — not just your tax forms. Whether you’re new to the country, running your own business, or figuring it out as you go, we’re here to help you move forward with clarity and trust.
