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
Is a Pest Inspection Required for a Conventional Loan?
In most cases, your lender won’t require a pest inspection unless there is evidence of an infestation. Forward Loans Mortgage Marketplace can connect you with lenders who can clarify these requirements.
Can I Get Down Payment Assistance with a Conventional Loan?
Yes, you may qualify for down payment assistance. Government agencies and community programs offer assistance to buyers struggling with financial situations. Forward Loans Mortgage Marketplace can help you explore these options.
How Many Conventional Loans Can I Have at One Time?
You can have up to ten conventional mortgages in your name. Forward Loans Mortgage Marketplace can guide you through financing methods to purchase multiple properties if you’re interested in real estate investing.

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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