No Ratio Loans

    Qualification based on assets and credit, not income documentation

    Is This Loan Program Right For You?

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    What is a No Ratio Loan?

    A No Ratio loan is a unique mortgage program that doesn't require income verification or debt-to-income ratio calculations. Instead, qualification is based primarily on your credit score, assets, and down payment. This makes it an excellent option for borrowers with substantial assets but complex or non-traditional income situations.

    These loans are perfect for high-net-worth individuals, retirees living off investments, those with foreign income, or anyone who prefers not to document their income for privacy or complexity reasons.

    Key Benefits

    No income documentation required
    No employment verification needed
    No debt-to-income ratio calculations
    Perfect for privacy-conscious borrowers
    Ideal for those with complex income situations
    Fast approval process
    Available for primary, second homes, and investment properties
    Based on credit and assets, not income

    Requirements

    Credit Score:Typically 700+ minimum
    Down Payment:20% to 30% or more
    Assets:Substantial liquid assets required
    Cash Reserves:12-24 months typically required
    Property Type:All property types eligible

    Who Should Consider This?

    • • High-net-worth individuals
    • • Retirees with substantial assets
    • • Those with foreign income sources
    • • Privacy-conscious borrowers
    • • Investors with complex income structures
    • • Borrowers with significant liquid assets
    • • Those who prefer simplified documentation

    Important to Know

    Asset Requirements: While income isn't verified, lenders will thoroughly review your liquid assets to ensure you have the financial capacity to make payments. This typically includes bank accounts, investment accounts, and other readily accessible funds.

    Interest Rates: No ratio loans typically have competitive interest rates for well-qualified borrowers with excellent credit and substantial assets.

    Higher Down Payment: Due to the lack of income verification, lenders typically require larger down payments (20-30% or more) to offset the additional risk.

    Credit Importance: Your credit score carries even more weight in a no ratio loan since it's one of the primary factors in determining your creditworthiness along with your assets.