No Income Verification

This program takes a common-sense approach to underwriting, built especially for borrowers who don’t fit the standard mold - whether due to limited credit history, a thin income-documentation trail, or simply being underbanked. Instead of requiring pay stubs, tax returns, or a calculated debt-to-income ratio, approval is based on a broader picture: your credit history and character, the collateral (the home itself), your down payment or equity contribution, and the overall terms of the loan.

It’s available for purchase, rate-and-term refinance, and cash-out refinance, with no prepayment penalty and no balloon payment - a straightforward 30-year fixed loan. A minimum credit score and a modest history of on-time payments are required, along with a completed homebuyer education course.

This is a specialty program with its own eligibility requirements around credit, reserves, and property type. We’ll walk you through whether it’s the right fit if traditional income documentation doesn’t tell your full financial story.