No Ratio

A breakthrough in borrower qualification. Demonstrate ability to repay through good credit history and lower LTV. No statement of income or employment required. We serve the under banked and understand that old tax returns don’t tell the borrower’s whole story.

  • Purchase & rate/term refinance up to 80% LTV.
  • Cash-out refinance up to 75% LTV, max $750,000 cash-out proceeds.
  • Rates as low as 5.875
  • NO income verification, no statement, no employment required!
  • No debt to income calculated.
  • No tax returns or W2’s required, not a bank statement program.
  • 1 Month bank statement to cover last 30 days to verify reserves.
  • 100% Gifts allowed for down payment, closing costs, reserves.
  • 1-4 Units, condos, coops, PUD’s.
  • Second home allowed.
  • Minimum 660 FICO.
  • 5/6m ARM, 7/6m ARM, 15 or 30 years fixed.
  • Interest only options available.
  • No restrictions for first time home buyers.

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