No Ratio Home Loan Program
No employment verification and no income stated required. No tax returns or W2s needed. Loan amounts to $3,000,000.
Call for a free home loan consultation
Get Pre-Approved / Fast, Simple Process.
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Simplified Mortgage Lending with No Ratio Program
Looking for a way to qualify for a home loan without using traditional income verification? Our No Ratio program may be the answer. This program is available to self-employed and wage earners and does not require W2s or tax returns. And, there is no need to state your income and there is no employment verification.
There is a minimum 75% Loan-to-Value (LTV) for 720+ FICO scores. There are lower LTVs for scores down to 680.
Call us today at (203) 913-6016 for a free consultation.
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No Ratio Loan Highlights
- Purchase & Rate & Term Refinance
- Loan Amounts to $3M
- 1-4 unit primary residences, condos, coops, and PUDs
- Cash-out up to 65% LTV without any restrictions
- Interest only options
- No tax returns or W2s required
- No stated income needed
- No employment verification
- 100% gift funds allowed for down payment, closing costs, reserves
- 1 Month bank statement required for assets to close and canceled check in lieu of bank statement for EMD
- Fast closings
- Commitment to superior, personalized service for every borrower