Questions, answered.

Absolutely. Our bank statement loan programs allow self-employed borrowers to qualify using 12–24 months of bank statements instead of tax returns or W-2s. We also offer DSCR loans for investors that require no personal income documentation at all.

You'll need three things: basic income documentation (tax returns, bank statements, W-2s + pay stubs, or retirement docs depending on your situation), property documentation (current mortgage statement + homeowners insurance declaration page), and a valid government-issued photo ID. Your consultant will tell you exactly which income docs apply to your program.

A bank can only offer you their own loan products at their own rates. As a mortgage broker, NTMG shops 165+ lenders, including banks, credit unions and wholesale lenders, to find you highly competitive rates and terms. We work for you, not the lender.

No. Our initial rate quote requires no SSN and has zero impact on your credit score. We only perform a hard credit pull after you've reviewed your options and decided to move forward with an application.

Our average close time is 14 days. Some HELOCs close in as little as 5 days. The key is our digital process: no physical paperwork, no unnecessary trips, and a dedicated consultant who moves fast and communicates at every step.