Buy Your Dream Home
Without Income Verification
Perfect for self-employed professionals and business owners. No tax returns or W-2s required.
Rated 5/5 by our homebuyers
Get Your Rate in 60 Seconds
No impact to your credit score
Why Choose No Income Purchase Loans?
Designed specifically for self-employed professionals and business owners who need flexible qualification requirements.
No Tax Returns Required
Skip the hassle of providing years of tax returns or W-2s. Perfect for self-employed borrowers whose tax returns don't reflect their true income.
Asset-Based Qualification
Qualify based on your assets and bank statements rather than traditional income documentation. Show your financial strength through your savings.
Fast Approval Process
Get pre-approved in as little as 24 hours and close your loan in as few as 10 days, much faster than traditional bank financing.
Multiple Property Types
Finance primary residences, second homes, and investment properties. Single-family homes, condos, and 2-4 unit properties eligible.
Flexible Credit Requirements
Credit scores as low as 680 accepted. We're more lenient with past credit issues and focus on your current financial stability.
Expert Guidance
Our loan specialists understand the unique challenges of self-employed borrowers and will guide you through every step of the process.
How No Income Purchase Loans Work
Our streamlined process makes it easy to get approved without traditional income documentation.
Submit Application
Complete our simple application and provide basic information about yourself and the property you want to purchase.
Asset Verification
We'll verify your assets through bank statements and other financial documents to confirm your ability to make payments.
Get Approved & Close
Receive your approval and move forward with confidence. We'll handle the closing process efficiently.
Do You Qualify?
Our no income purchase loans have flexible qualification requirements designed for self-employed borrowers.
Minimum Requirements
Credit Score
Minimum credit score of 680 (higher scores get better rates)
Down Payment
Minimum 20% down payment for purchases (25% for investment properties)
Asset Requirements
Sufficient liquid assets to cover down payment, closing costs, and reserves
Property Types
Single-family homes, condos, townhomes, and 2-4 unit properties
Loan Amounts
$100,000 to $5,000,000+ depending on property value and location
Perfect For:
Ready to Get Started?
Speak with one of our loan specialists to see if you qualify for a no income purchase loan.
Speak to ExpertWhat Our Clients Say
Hear from self-employed professionals who have successfully purchased their homes with our no income verification loans.
"Martin helped my husband and I refinanced our mortgage. We went to several locations; however, I'm glad we didn't settle. Martin was able to lower our interest rate. The process was fast and smooth; which, it is highly appreciated. Martin, is knowledgeable and respectful. Thanks Martin!!!!"
Testimonials reflect individual experiences and are not guarantees of future results. Individual results may vary. Not all clients will have the same experience. All loans are subject to credit and underwriting approval.
No Income Purchase FAQ
Get answers to the most common questions about no income purchase loans.