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Loan Benefits

By focusing on assets, down payment, and credit history instead of income, No Ratio programs provide a path to homeownership for those who might not qualify under traditional income verification methods.

• Borrowers not required to disclose or document their income

• Strong credit history only

• The minimum down payment 20%

• Ideal for borrowers with significant savings or investments but irregular income, such as entrepreneurs, retirees, or those in professions with fluctuating income.

No Ratio Programs offer a unique solution for borrowers who prefer not to disclose their income, relying instead on creditworthiness, assets, and a higher down payment to secure a mortgage.