No Income Check Mortgages
The No-Doc loan stands apart from conventional real estate loan programs. It eliminates the need for income estimates or documentation, featuring a No Ratio/Stated Income approach. Furthermore, this program is accessible for owner-occupied properties, making homeownership or pulling equity from a property more achievable.
Great for Primary Residences
No Documentation Mortgage
Purchase or Refinance
Types of Borrowers
Self-Employed
Small Business Owner
Gig Workers
Freelancers
Consultants
Commissions
Cash Based Earners
Investors
Non-US Citizens
Seasonal Workers
Retirees
Unemployed
No-Doc Mortgage Program Highlights
Loan Amount Up To $10 Million.
Loan Amount Starting at $100K.
Minimum 599 FICO Score to Qualify.
No W-2s, Pay Stubs, Or tax Returns Required.
Owner-Occupied, Second Home and Investment Properties.
80% LTV for Purchase and 75% LTV for Refinances.
No Prepayment Penalty Available.
Our Non-Qm Mortgage Programs
No Doc Loan
No W2’s, no tax returns, no income or employment documantation is required. Program starts at 80% LTV for purchases and 75% LTV for refinancing.
1099 Only
An applicant who earns income through commissions or operates as an independent contractor.
Rental Cash Flow DSCR
Perfect for an investor aiming to qualify based on the property’s generated cash flow.
Asset Utilization
No W2? No worries. Qualify for your home purchase or refinance with your liquid assets. Tailored for borrowers with moderate to high net worth.
Foreign National
People residing and working outside the United States who wish to buy a home but may lack the necessary status documentation.
No Ratio DSCR
Perfect for those properties don’t have debt service but have great potential. No need for debt service ratio, purchase or refinance with a no income, no minimum DSCR.
Bank Statement Program
This loan enables you to leverage your bank deposits in lieu of the “conventional” income documentation, such as tax returns.
ITIN Loans
Borrowers who work and live in the United States but without a social security number. Available for purchase and refinance.
Non-Warrantable Condos
When a condo is classified as non-warrantable, it falls outside of conventional guidelines. We offer several program options for these types of condo buildings.
No Doc Mortgage Insights
No Doc Cash-Out to 75% LTV
No DSCR Requirement on Rental Loans! Our No Doc program allows rental loans with no DSCR requirement. This means that you can secure financing for your investment properties without having to meet the traditional debt service coverage ratio (DSCR) criteria, best for self-employed borrowers or...
Self-Employed Borrowers Can Use 1 Year P&L in Replacement of Tax Returns
our borrowers qualify by using the profit and loss statement to qualify, no income docs are required
No Doc Home Loans: A Hassle-Free Financing Option
No Doc Home Loans, a unique mortgage program that offers hassle-free financing for real estate purchases or refinances. Whether you're looking to buy an owner-occupied property, a second home, or an investment property, this program eliminates the need for income documentation, allowing those...