Qualify for a home loan up to $3M without disclosing income, tax returns, or employment. Perfect for retirees, self-employed pros, and asset-rich borrowers.
See If You Qualify (60 Seconds) →No W-2s, no tax returns, no paystubs, no employment check. Credit and assets do all the qualifying.
Buy your dream home or getaway property. Both occupancy types qualify up to $3M.
Down payment and closing costs can come entirely from gift funds. Cash-out proceeds can cover reserves.
Asset-heavy, income-light borrowers who don't fit conventional bank boxes. Non-QM at its best.
Pick the option that fits best.
Best estimate — purchase price if buying, current market value if refi.
No-Ratio is for primary or second homes only (not investment).
If owned free & clear, tap the button below. Otherwise enter the payoff balance — determines if we can offer a No-Ratio second-lien vs full refi.
No-Ratio typically requires 20-40% down (depends on FICO). Gift funds allowed.
No-Ratio requires 620+ FICO (higher scores get better rates and LTV). Ballpark is fine — no hard pull.
No-Ratio was made for these exact profiles.
Cash, checking, savings, investments (401k counts partially).
No-Ratio loans typically close in 30-45 days.
Helps Tim price your loan accurately.
Tim will focus on lenders active in your target area.
The address of the property you're financing. Real property = real deal.
You'll get lender programs matched to your scenario.
Book a 15-minute call with Tim to review No-Ratio programs matched to your scenario.
Or expect a text/call within 1 business hour.
Based on your answers, this specific No-Ratio program may not be the perfect fit — but Tim works with 120+ lenders and many other programs that likely will. Bank statement loans, DSCR (for investment properties), HELOC options, or a conventional path may work for you.
See Other Loan Options →
✓ No Tax Returns Required ✓ Close in 21-30 Days ✓ Up to $4M Loan Amount