No income check mortgages do exist and offer them nationwide. No tax returns, W2’s or paystubs are needed, as we don’t ask for them. For purchase transactions, only 20% down payment is required and for refinances, our maximum LTV is 75% of the property value. Perfect loan program for self-employed, retirees, and real estate investors.
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Income is Never an Issue for us
Our no income check mortgage program is designed for individuals who are self-employed or unemployed.
No Income Mortgage
NO INCOME / NO EMPLOYMENT
PERFECT LOAN OPTION FOR PRIMARY RESIDENCE
Max. LTV 80%
Cash-out to 75% LTV
660 minimum credit score
Max. loan amount $5 million
No limit on cash-on-hand
No reserves required
Primary residence, second homes and investment properties
No Doc DSCR Loans
NO RATIOS REQUIRED
RESIDENTIAL OR COMMERCIAL PROPERTIES
Only 15% down payment
Must be an investment property
No tax returns, W2’s or paystubs needed
Short-term rentals are OK with us
Min. loan amount is $75k
Max. loan amount $5 million
We allow first-time investors
Need assistance? We are here to help navigate you through the process.
Who are No Income Loans for?
No Income Check Loans are ideal for individuals with non-traditional income sources.
- Self-Employed
- Gig Workers
- Freelancers
- Small Business Owners
- Consultants
- Investors
- 1099 Employees
- Retirees
- Cash-Based Income
- Unemployed
Purchasing a Property Using a
No Income Check Mortgage
Purchasing a property with a No Income Check mortgage is something that is possible. All we require is 20% down payment. The credit scores need to be above 660.
Our No Income mortgage program works on both residential and commercial properties. Either is owner-occupied, second home or an investment our no income mortgage covers all three occupancy types.
Refinancing a Property with a
No Income Check Mortgage
Refinancing an owner occupied property or an investment property, no income required for the refinance transaction. We offer a few no income refinance options, a true no income mortgage or a no income cash-flow rental program. These programs are specifically designed for those that can not qualify traditionally.
Our No Income mortgage program works on both residential and commercial properties. Whether it is owner-occupied, a second home or an investment, our no income mortgage covers all three occupancy types.
We offer Commercial No Income Loans
We Offer Three Types of No Income Second Mortgages
HELOC
Bank Statement Mortgage
For those self-employed homeowners who are looking to tap into their properties’ equity, we offer the 12-month bank statement program for qualifying for a Home Equity Line of Credit.
HELOC
No Doc – No Income Check
For those self-employed homeowners who are looking to tap into their properties’ equity, we offer the 12-month bank statement program for qualifying for a Home Equity Line of Credit.
DSCR
Second Mortgage
The DSCR second mortgage is a closed-end loan that works on investment properties. We use the rental income from the property to qualify for the loan, no personal income docs are required.
Questions?
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No Income Mortgage Insights
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