Qualify on your strengths — not your tax returns or pay stubs.
Some borrowers have great credit and real savings but a hard time documenting income the traditional way. A no-income-verification loan looks at your credit, your reserves, and the equity in the deal instead. It asks more of you up front — so let's see honestly whether it fits before you count on it.
Who this is for
- Self-employed owners whose tax returns don't reflect their real cash
- Retirees with strong savings but little reportable income
- Buyers with complex finances who don't fit a standard income box
- Anyone who wants every requirement explained plainly — in English or Spanish
How it works
Start with an honest review
We look at your credit, your down payment, and the savings you can document. If a standard loan would serve you better or cost less, we'll tell you — this program isn't for everyone.
Show your strengths
Instead of income docs, you'll document your reserves and assets and let your credit and the property's equity carry the file. Most programs want roughly 20% down and about six months of payments in reserve.
We shop the right lenders
Terms on these loans vary a lot between lenders. As an independent broker we compare several to find the one that treats your situation most fairly.
Appraisal, underwriting, and close
Your credit and the appraisal still get a full review. We manage each step and keep you updated until you sign.
No income paperwork
No tax returns, W-2s, or pay stubs — your credit, reserves, and equity tell the story instead.
Savings count for you
The reserves you've built up become a real qualifying strength rather than a footnote.
Independent lender shopping
As a broker we compare multiple lenders' guidelines instead of pushing one bank's program.
Straight talk, in your language
We explain the higher down payment and reserve requirements up front, in English or Spanish — no surprises.
Today’s sample rates
Common questions
What does "no income verification" really mean?
It means the lender doesn't ask for tax returns, W-2s, or pay stubs to prove your income. It does not mean no qualifying. You'll still need solid credit, documented reserves, and a meaningful down payment — the file leans on those instead of income.
What credit score and down payment do I need?
Most programs look for credit in the high-600s or better and a down payment near 20% (about 80% loan-to-value). Stronger credit and more equity open up better terms. We'll pull together your exact numbers before you commit to anything.
How much do I need in reserves?
Plan on roughly six months of mortgage payments set aside, sometimes more. Reserves are central to how these loans get approved, so we confirm what you can document early.
Is this only for a home I'll live in?
Many no-income-verification programs are written for a primary residence. If you're financing a rental or investment property, a DSCR loan is usually the better tool — and we offer that too. We'll point you to whichever fits.
What property types can I use a no-doc loan for?
No-income-verification programs are most often written for single-family homes, condos, and townhomes, and many are limited to a primary residence. If you're financing a rental or a 2–4 unit building, a DSCR loan may fit better. Tell us the property and how you'll use it, and we'll point you to the right program.
Is a no-income-verification loan a non-QM loan?
Yes — these programs are non-QM, meaning they don't follow the standard Fannie Mae and Freddie Mac documentation rulebook. That's exactly why they can lean on your credit, reserves, and equity instead of income paperwork. It doesn't mean no scrutiny: the file is still underwritten, just against different strengths.