Arizona Bank Statement Home Equity Loans

Vibrato helps self-employed borrowers like you pull cash out of your home with a home equity loan without refinancing your first mortgage — all with only your bank statements and no tax returns.

Keep the low rate on your first mortgage and pull cash out with no tax returns.

Many self-employed borrowers are reluctant to refinance their first mortgage to get cash-out — that's no problem at all. We can help.

Cash-Out amounts up to $450,000 with only bank statement income to qualify.

If you're self-employed and can't qualify with tax returns, we're here to help you. We approve you with only the income from your bank statements.

Get The Cash You Need Without Refinancing Your First Mortgage

2nd Mortgage Home Equity Loan

Up to 90% LTV (on primary residence, based on loan amount and FICO)

  • Up to $450,000 loan amounts
  • No tax returns required to qualify
  • 30 year amortization
  • Fixed rate loan options
  • 12 or 24 Month Bank Statement options available (business or personal)
  • FICO scores above 660 (depending on LTV)
  • No cash reserves needed
  • Primary, 2nd Home and Investment properties allowed
  • Condos and 2-4 Unit properties allowed
  • No prepayment penalty
  • Maximum of 50% Debt-To-Income
  • Property cannot have been listed for sale within the past 12 months

A Streamlined Home Equity Loan Process

1. Tell us a bit about the cash you're looking for and your business — no credit check.

We'll ask you some simple questions about the home equity loan you're looking for to get started (no credit check or SSN is collected).

2. We'll then discuss self employed home equity loan options with you.

Based on the information submitted, we'll go over different home equity loans you may qualify for (interest rates, fees, terms, etc).

3. If you're ready to move forward, we'll complete your application and get started!

We'll get the last few pieces needed to complete your application (credit report and FICO score) and then get everything in motion to get your loan done!

Our Team Gets It

Vibrato was created by Phoenix entrepreneurs just like yourself — we speak your language. You're at home with our team.

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Lender Labs LLC dba Vibrato, NMLS: #2420007 Arizona License: MB-1042016 Colorado License: MLO.100537074. To check the license status of your mortgage broker, visit