No ratio loans
No income verification, no problem
No ratio loans offer a streamlined mortgage option without income verification, perfect for those with complex or unconventional finances.


About No ratio loans
Simplify your path to homeownership
No ratio loans allow borrowers to qualify for a mortgage without disclosing their income, making them an excellent option for self-employed individuals or those with non-traditional income sources.
Check if you're eligible
- Minimum credit score requirements vary by lender
- Property must be a primary residence, second home, or investment property
- Sufficient down payment or equity required
- Non-traditional income earners encouraged to apply
Why choose an No ratio loans?
- No income verification required
- Ideal for self-employed or unconventional earners
- Faster application and approval process
- Flexible qualification requirements
No ratio loans frequently asked questions
What is a no ratio loan?
It is a mortgage that does not require income verification or debt-to-income ratio calculations.
Who benefits most from this type of loan?
Self-employed individuals, retirees, and those with unconventional income streams.
What types of properties are eligible?
Primary residences, second homes, and investment properties.

Is this a good time to get a loan?
If you have non-traditional income or prefer not to disclose your earnings, a no ratio loan could be the right fit. Our team is ready to guide you through the process.
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