Our Low Doc Home Loan Solutions

We specialize in three types of low doc mortgage options with NO tax returns required:

Option #1 > True "No Income - No Employment - No Tax Return" Loan. Income & Employment are not listed on the application or verified.  Available for all borrower types including self employed, 1099, w-2, investors and retired borrowers. 

Option #2 > Bank Statement Gross Revenue Qualifier for the self employed. Qualify with gross income. This is our lowest rate option for the self employed, 1099 & business owners.  No Tax returns! 

Option #3 > Asset Only Qualifier for almost all borrower types.  No Income, No Employment, No tax returns.  Use liquid asset accounts to qualify with easy asset amount verification. 

We offer these products in most states and they are available for purchase, refinance and cash out refinance transactions. Works for primary residence, 2nd/vacation home and investment property.  SFR, Condo, Condo Tel and Multi Family Units. Fast funding available!


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Why Choose Our Team

Your Low Doc Mortgage Team

Alternative Income Mortgage Solutions
Karl Wenzel, Heather Denaro & John Peisner


We are a unique and specialized mortgage team employed by Barrett Financial Group. Our company is a USA domestic Mortgage Broker Company with more than 20 years of continuous operation.  Our mission statement is to guide our customers through the entire mortgage loan process.  We believe that each customer should receive personalized attention to ensure their needs are met with full understanding of the loan process. Our team is empowered to achieve this by embracing our company slogan to "make it happen".  We are available for you 7 days a week to discuss your scenario!


Your "Low Doc Home Loan" Team members have over 35 combined years of mortgage experience and have chosen to be experts in  providing solutions to your unique  mortgage obstacles. We secure paths for approval for all borrower types including w-2,  self-employed, 1099 contractors, retired, and residential and commercial investors by offering one of the nations largest product menus for Low Doc & Alternative Income mortgage solutions. These loan options do not require business or personal tax returns.  We want to hear about your mortgage scenario  for your next purchase or refinance. Please connect with us today by completing our 60 second contact form.

Diverse And Unique Product Menu.

Your team can provide a variety of loan products that you wont find available with most lenders. We do offer traditional full doc loans, including conforming, FHA and VA,  but we do specialize in providing hard to find products such as self employed "bank statement loans", "no tax return" loans, "stated or no income and no employment" loans, and "asset only" qualifying loans. We can offer these products, and other specialty loan products, in most states for both home owners and investors of residential and commercial property types.  We have developed a truly "one of a kind" product menu through our diverse in house lending products and through our expansive wholesale partner channels. All with flexible terms and competitive rates. 

Personal Service.

Your team of licensed Mortgage Loan Originators will guide you through your options, prepare you a written rate quote summary, and escort you from application to funding. Our level of communication, product knowledge and mortgage experience will clearly set us apart from our competition. We are available by phone or email seven days a week.

Give us a Call Today 480-405-6333

Get Started Now



Ready For A Fast Start?

Request Your "No Obligation" Rate Quote And Fast Pre Approval Now!

1. Call Now - 480-405-6333  (or)

2. Email Us - jpeisner@barrettfinancial.com (or)

3. Submit Our Contact & Rate Quote Form Today!

Don't settle for anything less than what you deserve when it comes to your home mortgage experience. We are committed to providing you with professional and knowledgeable service levels from start to finish. We will provide you with a written rate quote BEFORE we ask to pull credit and complete an application. 

We are ready to help!

Karl Wenzel NMLS  #398320
John Peisner NMLS #239185
Heather Denaro NMLS #1975823

(480) 406-6333

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Our Process

Consultation & Rate Quote

Call or Apply Online. A licensed loan officer will answer questions, discuss product options, then provide a written rate quote for your review. 

Processing and Approval

Your loan officer and your assigned personal Op's team will guide you through the application and approval stages.

Docs and Funding

Your Loan Officer and Op's team will secure the final approval and set a date for closing. Go over closing docs and finalize closing!

Barrett Financial Group, L.L.C is a NMLS licensed, independent mortgage company that provides home loans.  All loan types subject to credit approval and this is not a commitment to lend. Not all applicants will qualify.