Home Loans · California

No Income? No Problem. Buy a Home in California.

Traditional income documentation isn’t the only path to homeownership. Our No Income Verification mortgage program is designed for qualified borrowers who may not have conventional income documentation but have strong equity, credit, and assets.

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Couple touring a bright open-plan California home for sale

At a Glance

Program Highlights

No Income Verification Required

No Debt-to-Income (No Ratio) Calculation

No Employment Verification

620

Minimum 620 FICO Score

60%

Financing up to 60% Loan-to-Value (LTV) for purchases and rate-and-term refinances

55%

Up to 55% LTV for cash-out refinances

No maximum

cash-out amount for qualified borrowers with strong credit profiles

  • Available for Primary Residences and Second Homes
  • Gift funds may be used for 100% of the down payment and closing costs (gift funds cannot be used to satisfy reserve requirements)

Reserves

Reserve Requirements

First-Time Homebuyers

2 months

Only 2 months of PITI reserves required

Non-First-Time Homebuyers

6 months

of PITI reserves for loans with 75% LTV or less

9 months

of PITI reserves for loans with greater than 75% LTV

Flexible Financing for Unique Financial Situations

Whether you’re self-employed, retired, asset-rich, or have non-traditional sources of income, this program provides a flexible financing solution that can help make homeownership possible—without the burden of traditional income verification.

Contact us today to see if you qualify and discover a simpler way to finance your California home.

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Or call Nancy Sacks directly: 949-449-1242