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.

Do you qualify for an No ratio loans?

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
Loan benefits

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 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.

Get a free consultation

What our clients say

Hear from happy homeowners who found their perfect loans with Mr. Rate.

Homebuyer
A++++++

Hands down the Best Lender in NJ . Furqan makes the process so easy and his transparency makes all the difference. I wouldn’t pick any other lender to work with. A++++++

Life Care Pharmacy

Entrepreneur

Homebuyer
I would highly recommend him

A few months ago, Furqan has helped us with our very first home loan and made the whole process clean and simple. There were no surprises on the day of closing as many of my friends have told me. Furqan was able to get a better loan option even with my complicated tax returns and me being self-employed. He was able to get my deal closed that another local lender was dragging on for a couple of months. I would highly recommend him for his knowledge and ability to figure things out. Very nice team, always on the ball.

Anita M

Self Employed

Homebuyer
The best Lender you will ever work with

Furqan is 100% the best lender I’ve ever encountered. He is completely honest and transparent and makes the lending process a pleasant experience. I would highly recommend you give him a shot if you’re in the market for a home.

uzair1524

Self Employed

Homebuyer
Wealth of knowledge and experience

Furqan Hanif is an exceptional broker who has a wealth of knowledge and experience in the home loan industry. He is dedicated to helping his clients find the perfect loan that suits their needs, whether they are first-time buyers or seasoned homeowners. Furqan’s professionalism and attention to detail make him a trusted partner in the home buying process. With his expertise, he can navigate the complexities of the lending market with ease, ensuring that his clients receive the best possible terms and rates. If you are in the market for a home loan, look no further than Furqan Hanif for a seamless and stress-free experience.

Umer Gujjar

Self Employed

Homebuyer
Amazing to work with!

He was amazing to work with! Made the entire mortgage process easy to understand and stress-free. He was always responsive, professional, and worked hard to get me the best rate possible. I highly recommend them to anyone looking for a trustworthy and efficient mortgage lender!

Michael H

Self Employed

Homebuyer
Mr Rate is great

This is a great mortgage company, my loan went smoothly and no surprises prior to closing. They kept me posted right from the time the contract was provided to them right up to the closing date. I would recommend this company to all my family and friend.

dianewhite956

Homebuyer
Great and procedure was smooth and reliable

Everyone was so professional and cooperative and All the procedure went so smooth and timely.from buy home to closing everyone (realtor to mortgage guy) were experienced and polite.

AliWarraich2

Self Employed

Homebuyer
What a great experience!

Furqan, my loan officer, explained the whole process to me, set realistic expectations, and took the time to answer each and every question I had – and I had many! He is knowledgeable, hardworking, patient, and friendly. When I look back on past mortgage experiences, I find myself wishing I had found him sooner. MrRate is fantastic, and I will recommend them to everyone I know!

Roberta Michaels

Self Employed

Homebuyer
Exceptional experience

I had an exceptional experience. From start to finish, the process was smooth, transparent, and stress-free. He was incredibly knowledgeable, patient, and always available to answer my questions, no matter how small. He went above and beyond to secure the best rates for me and explained each step in a way that made me feel confident and informed. I truly felt like they had my best interests at heart. He was professional, responsive, and dedicated to ensuring my closing went off without a hitch. Thank you for making my home-buying journey such a positive experience!

M. Hanif

Homebuyer
The greatest broker

The greatest broker. We have done 4 deals together and they all went through great. If he tells you he is doing it he will. Always available.

Johnny Gaba