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

(203) 913-6016

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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Call (203) 913-6016 or apply online in minutes!

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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