Our P&L mortgage: your CPA prepares a profit & loss letter, and we use it to qualify your refinance. No tax returns. No bank statements. Read our guide on how to refinance without tax returns.
The simplest path to refinancing for self-employed Texas professionals. Compare with our bank-statement refinance or, for investors, a DSCR refinance.
A CPA-prepared P&L statement serves as your primary income document. No tax returns, no bank statements — just your accountant's professional assessment of your business income.
Fewer documents than bank statement programs. One CPA letter covers your income verification. Faster processing and fewer conditions.
Access equity for business growth, debt payoff, or your next investment. Cash-out available on primary residences and investment properties.
Consultants, freelancers, gig economy workers, contractors, creative professionals, and small business owners all benefit from P&L qualification.
Your CPA prepares a P&L on letterhead covering your most recent 12 months of business activity. Net income is your qualifying income.
Submit application with CPA letter. We structure your refinance and lock your rate.
Appraisal, underwriting, and close — typically within 21–30 days. Your new rate takes effect immediately.
Run the numbers before you commit. These tools answer the questions every refi shopper asks.
Find out when your refinance pays for itself and whether the closing costs are worth it.
Should you buy discount points to lower your rate? See break-even months and lifetime savings.
See how extra payments shave years off your loan and save tens of thousands in interest.
Questions about CPA letter refinancing. Talk to a loan officer directly.
No tax returns • No bank statements • Just your P&L. Or apply now.
Start my P&L refi