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No Income? No Problem. Buy a Home in California.
Traditional income documentation isn't the only path to homeownership. Our No Income Verification mortgage program is designed for qualified borrowers who may not have conventional income documentation but have strong equity, credit, and assets.
Program Highlights
- No Income Verification Required
- No Debt-to-Income (No Ratio) Calculation
- No Employment Verification
- Available for Primary Residences and Second Homes
- Minimum 620 FICO Score
- Financing up to 60% Loan-to-Value (LTV) for purchases and rate-and-term refinances
- Up to 55% LTV for cash-out refinances
- No maximum cash-out amount for qualified borrowers with strong credit profiles
- Gift funds may be used for 100% of the down payment and closing costs (gift funds cannot be used to satisfy reserve requirements)
Reserve Requirements
First-Time Homebuyers
- Only 2 months of PITI reserves required
Non-First-Time Homebuyers
- 6 months of PITI reserves for loans with 75% LTV or less
- 9 months of PITI reserves for loans with greater than 75% LTV
Flexible Financing for Unique Financial Situations
Whether you're self-employed, retired, asset-rich, or have non-traditional sources of income, this program provides a flexible financing solution that can help make homeownership possible—without the burden of traditional income verification.
Contact us today to see if you qualify and discover a simpler way to finance your California home.
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