Many borrowers have non-traditional income sources, are self-employed, or simply don’t want to disclose their financial details. While several No Income Check mortgage options are available—such as Stated Income, DSCR (Debt Service Coverage Ratio), Bank Statement Loans, and P&L (Profit & Loss) Programs—they still require some form of documentation.
But what if you want a truly documentation-free mortgage?
Introducing the True No Doc Mortgage – No Income, No Employment, No Problem
Our True No Income Check Mortgage is exactly what it sounds like: a mortgage that does not require any income verification. Unlike other No Doc programs that still ask for bank statements, rental income, or profit & loss statements, our program requires:
- No employment verification – You can be unemployed and still qualify.
- No tax returns or W-2s – Your income is not a factor in approval.
- No bank statements or P&L statements – No need to show cash flow.
- No rental income documentation (unlike DSCR loans) – Perfect for investors who don’t want to provide lease agreements.
This is the closest thing to the old-school No Doc loans from years ago, designed for borrowers who value privacy, flexibility, and speed.
Here is What You Need to Know
- Credit score – we don’t have a credit score requirement as long as there are no late payments.
- Significant down payment – the program calls for a 50% down payment.
- Reserves – are required for at least 12 months of payments.
- Asset-based underwriting – down payment and closing costs should be the bank.
Contact our offices if you’re looking for a True No Income Check Mortgage.
