No-Income / No-Ratio Loans

No-Income (also called No-Ratio) loans are designed for borrowers whose income doesn’t fit neatly into traditional lending guidelinesThese programs allow qualified buyers to secure financing without stating or documenting income on the loan application.

Instead of focusing on pay stubs or tax returns, approval is based on credit profile, assets, and overall financial strength. This makes No-Income loans a strong option for self-employed borrowers, business owners, investors, or clients with complex income streams.

These loans are typically used for primary residences and often offer better rates than private or hard money loans, while still providing flexibility traditional loans can’t.

Program Highlights:

• Income not stated or documented
• Employment not stated on the application
• Loan amounts up to $2,000,000
• Loan-to-Value (LTV) up to 80% for purchase or rate-and-term refinances
• Minimum FICO scores starting around 680
• Reserves as low as 6 months
• Asset seasoning as short as 30 days
• Cash-out may be used as reserves (guidelines apply)
• Primary residence only
• More favorable rates compared to private money loans

Best for:
Self-employed borrowers, entrepreneurs, commission earners, or clients with strong assets but
inconsistent or non-traditional income documentation.