No Income Docs HELOC powered by Honest Casa
No tax returns. Ever. Check My Rate

The HELOC that never asks for your tax returns.

If you're self-employed, your tax return is built to show as little income as legally possible — and then traditional lenders use that same number to deny you. This HELOC skips the paperwork entirely: no tax returns, no W-2s, no pay stubs. Income is verified automatically from your bank statements through a secure, read-only connection.

No tax returns, no W-2s, no pay stubs — for any borrower
Built for self-employed, 1099, and business owners with heavy write-offs
100% online with eNotary — funding in as little as 3 days after approval*
Zero income documentsNo returns, W-2s, or stubs
Bank statements do the workSecure, read-only connection
Self-employed friendlyWrite-offs don't count against you
As fast as 3 days*From approval to funded
Your offer is 60 seconds away 0%

How much cash do you want access to?

Drag the slider — no income paperwork at any step. Check your rate as of .

$100,000

Available as a flexible line of credit

$15K$750K
Secure ~60 seconds No SSN needed

Let's estimate your available equity

Your best guess is fine — no documents needed yet (or later).

ESTIMATED AVAILABLE EQUITY$150,000

What's your credit score range?

Your best estimate is fine — it's confirmed later in the process.

What will you use the cash for?

This helps tailor your offer.

What's the property address?

Start typing and select your address — we verify it instantly so your offer is accurate.

We couldn't verify this address — check the spelling or select one of the suggestions
Unit number is required for condos & townhomes
Address is verified against official U.S. records

Where should we send your offer?

Please use your full legal name (as it appears on your government-issued ID) and an email and mobile number you control — these details are verified and used in the underwriting process. Inaccurate information can delay your offer.

Legal first name is required
Legal last name is required
Enter a valid date of birth (MM/DD/YYYY)
Enter a valid email address
Enter a valid 10-digit phone number
How your information is protected: encrypted in transit, used only to prepare your offer and verify your identity, and never sold to third parties.
Your information is encrypted and never sold

Congrats — you're a fit!

See your offers immediately by completing your secure application below ↓

Requested line$100,000
Estimated equity$150,000
Property—
See My Offers Now →
5 min No docs required No SSN

Fit is based on the answers you provided and is not a loan approval. Offers are subject to verification, credit approval, and underwriting.

What "no income verification" honestly means

No lender can legally ignore your ability to repay — and you should be suspicious of any that claims to. What this HELOC removes is the paperwork: verification happens automatically, from data, instead of from documents you have to produce.

What you will never be asked for

  • Federal tax returns (personal or business)
  • W-2s or pay stubs
  • Profit & loss statements or K-1s
  • CPA letters or employment verification calls
  • A Social Security number just to check your rate

What happens instead

  • You connect a bank account through a secure, read-only link (the same technology used by major fintech apps)
  • Deposits verify your real cash flow — automatically, in minutes
  • Your home's value is confirmed digitally (no in-person appraisal under $400K)
  • Identity is verified securely inside the application — once, at the right step

No paperwork, no problem — 3 simple steps

The entire process is online, and the part that usually buries self-employed borrowers — documenting income — happens automatically.

01

Check your rate

Answer a few quick questions and see what you may qualify for — fast, secure, and 100% online. No SSN required at this stage, and nothing to upload.

~5 minutes
02

Connect, don't collect

Instead of gathering two years of returns and P&Ls, you connect your bank account through a secure, read-only link. Deposits verify your income automatically.

No documents
03

Get your cash

eSign your documents with an online notary and get funds sent straight to your bank account in as little as 3 days after approval.*

As fast as 3 days*

Why self-employed borrowers choose a No Income Docs HELOC

Your write-offs stop working against you

Traditional lenders qualify you on taxable income — the number your CPA worked hard to minimize. Bank statement verification looks at real cash flow instead, so smart tax planning no longer costs you borrowing power.

Nothing to gather, scan, or explain

No two years of returns, no K-1s, no profit-and-loss letters, no CPA attestations. One secure bank connection replaces the entire folder.

Read-only and private

The bank connection is verification-only: it can see deposits, it can't touch your money. Your rate check needs no SSN, and prequalification is a soft pull that never dings your credit.

Equity that stays on tap

As you pay down your balance, you can draw again during your draw period — the same line funds this year's opportunity and next year's, without re-documenting your income.

No Income Docs HELOC vs. the paperwork route

Same equity, same house — a completely different documentation experience.

No Income Docs HELOCRECOMMENDEDBank HELOCCash-out refi
Tax returns / W-2s required Never 2 years, typically 2 years, typically
Pay stubs / P&L statements Not needed Usually Usually
How income is verified Bank statements, automatically Manual document review Manual document review
Self-employed friendliness Built for it Often penalized Often penalized
Typical time to funding As little as 3 days* 2–6 weeks 30–45 days
Keeps your current mortgage rate Yes Yes No
100% online with eNotary Yes Rarely Rarely

Frequently asked questions

Is this really a no income verification HELOC?
It's a no income documentation HELOC — which is what almost everyone searching for "no income verification" actually needs. You will never provide tax returns, W-2s, pay stubs, or P&Ls. Income is still verified (every legitimate lender must assess ability to repay), but it happens automatically from your bank statements through a secure, read-only connection — not from paperwork you have to produce.
I'm self-employed and write off everything. Can I still qualify?
This is exactly the borrower this HELOC is built for. Because qualification looks at bank statement cash flow rather than taxable income, aggressive-but-legal write-offs don't reduce your borrowing power the way they do with traditional tax-return underwriting.
Do 1099 contractors, gig workers, and business owners qualify?
Yes — any borrower whose real cash flow shows up in their bank account can be evaluated this way, including 1099 contractors, freelancers, gig workers, and owners of LLCs, S-corps, and sole proprietorships. W-2 employees can use it too; it's simply less paperwork for everyone.
Is the bank connection safe?
The connection is read-only and used for verification: it can view deposit activity but cannot move money, make changes, or store your login with the lender. It's the same category of technology used by major budgeting and investment apps.
How fast can I get the money?
Checking your rate takes about five minutes. Once you select your offer, verify your details, and your loan closes, funds can be disbursed in as little as 3 days after approval. Timing varies by state, property type, and how quickly verification steps are completed.
Will checking my rate hurt my credit score?
No. Prequalification uses a soft credit inquiry, which has no impact on your credit score. A hard inquiry only occurs if you choose to proceed with the full application.
How much can I borrow?
Lines of credit range from $15,000 to $750,000 depending on your available home equity, credit profile, cash flow, and state. The form above gives you a quick estimate of the equity you may be able to tap.
Do I need an appraisal?
For loans under $400,000, no in-person appraisal is required — valuation is completed digitally. Larger loans may require additional valuation steps.
What if my income is irregular or seasonal?
Bank statement verification looks at deposit patterns over time rather than a single month, which is generally friendlier to seasonal and irregular earners than a snapshot pay stub. Your specialist can walk through how your specific pattern is evaluated.
Who is the lender?
This program is powered by Honest Casa (NMLS #1566096), an Equal Housing Lender headquartered in Irvine, CA. You can verify licensing at NMLS Consumer Access.

Your tax strategy shouldn't cost you your equity.

Check your rate in minutes — no tax returns, no W-2s, no pay stubs. Ever.

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Check My Rate — No Tax Returns