NO INCOME HOME LOANS FOR PRIMARY RESIDENCE
Home Financing Without Traditional Income Verification
If traditional income documentation doesn’t fit your financial situation, a No Income Home Loan may provide another way to purchase or refinance your primary residence without traditional income or employment verification.
No W-2s ● No Tax Returns ● No Income Verification ● No Employment Verification
✅ Primary residence purchase or refinance
✅ FICO options starting at 660
✅ Up to 80% loan-to-value (LTV) for qualified borrowers
✅ Loan amounts up to $2 million
Explore Your No Income Home Loan Options
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No Income Verification
No traditional income verification for eligible borrowers.
No Employment Verification
Traditional employment verification may not be required.
Purchase or Refinance
Designed for eligible primary-residence transactions.
660 FICO / Up to 80% LTV
Minimum 660 FICO and financing up to 80% LTV, subject to qualifications.
NO W-2s. NO TAX RETURNS. NO TRADITIONAL INCOME VERIFICATION.
A Different Way to Qualify for a Primary Residence
Certain specialty mortgage programs may allow qualified borrowers to finance a primary residence without relying on traditional income documentation. Program guidelines and eligibility vary by lender.
Often relies on documented employment, income and debt-to-income calculations.
Traditional Qualification
May evaluate eligible borrowers using other program requirements rather than traditional income verification.
Alternative Qualification
Different programs may analyze your business income in different ways.
Who May Benefit From a No Income Home Loan?
Self-Employed Borrowers
Borrowers With Significant Assets
Retired Borrowers
Non-Traditional Income
Homebuyers
Homeowners
Flexible Documentation
Qualified Borrowers
IMPORTANT QUALIFICATION FACTORS
No Income Does Not Mean No Qualification
Credit Profile
FICO options may be available starting at 660, depending on the program and borrower qualifications.
Loan-to-Value
Financing may be available up to 80% LTV for qualified borrowers, depending on the program, credit profile, reserves and transaction type.
Assets & Reserves
Assets or reserves may be reviewed depending on the program.
Property & Occupancy
Focused on eligible primary residences.
Loan Amount
Minimum and maximum loan amounts vary by lender and program.
Overall Profile
Additional underwriting requirements may apply.
WHY PRIME CHOICE FUNDING
One Application. Multiple Mortgage Options.
As a mortgage broker, Prime Choice Funding can compare available specialty mortgage programs from multiple lending sources rather than limiting you to a single loan option.
Alternative Programs
Explore specialty mortgage solutions beyond traditional income documentation.
Different Guidelines
Credit, LTV, reserves, loan amounts and property requirements can vary.
Experienced Team
Work with mortgage professionals who can help review available options.
No Income Home Loan FAQs
Answers to common questions about No Income Home Loans for a primary residence.
Certain specialty mortgage programs may allow qualified borrowers to obtain financing without using traditional W-2s or tax returns for income qualification.
Certain programs may not require traditional employment verification, subject to lender and program guidelines.
The program information on this page indicates a minimum 660 FICO score. Additional credit requirements may apply.
Financing may be available up to 80% loan-to-value (LTV), subject to borrower, property and lender qualifications.
Yes. This page is focused on eligible primary-residence purchase and refinance transactions.
No. Credit, loan-to-value, assets or reserves, property, occupancy and other underwriting requirements may still apply.
Let’s Find the Right Mortgage Solution
Whether you’re buying or refinancing, our team can help you explore available mortgage options based on your financial situation.
Prefer to talk? 877-787-7463
Program availability, guidelines, loan-to-value limits, credit requirements and terms are subject to change and may vary by lender and borrower qualifications. This information is for general informational purposes only and is not a commitment to lend. Additional underwriting requirements may apply.