BEST NO RATIO NO INCOME HOME LOANS

What is a No Ratio No Income Home Loans?

Best no ratio no income home loans is a program offers No DTI ratio ever! No Tax Returns, W2, or Pay Stubs. Our No Ratio Loans allow all borrowers to qualify based on strictly your credit history.

NO TAXES RETURNS, NO EMPLOYMENT VERIFACATION, NO 12- or 24-MONTH BANK STATEMENTS!!!

BEST NO RATIO NO INCOME HOME LOANSS HIGHLIGHTS:

• Verification of income or employment is NOT required!
• Up to 75% LTV (on Purchases & R/T Refinances)
• Cash-out refinance up to 65% LTV, unlimited cash-out funds
• 1-4 Units, condos, coops, PUDs
• Minimum 680 FICO
• ARM’s, 15 or 30 year fixed
• Interest only option available(except 15 year fixed)
• Cash-out proceeds may be used towards reserves

WHAT DO YOU NEED FOR SUBMISSION?

• 2 Month Bank Statement
• Purchase Contract (for purchase)
• Current Mortgage Statement (for refinance)
• Hazard Insurance Dec Page or New Quote for purchase
• Driver License (front and back)

Call me now for immediate attention to your scenario. 

Check out more information on our programs below and send me all your scenarios!

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Valor Lending Group also have following amazing programs. Call Adam Lawrence today 858-344-0323 or Email

Recap of our Loan Products:

1. Hard Money Loans (20% down / minimal documentation) Typically Fund in 7-10 days.
2. Stated Income Loans (Great for business owners and self employed ) No tax returns!
3. 100% financing is available (we can cross collateralize other properties if there is enough equity)
4. Valor VA Home Loan 100% financing up to $1.5MM
5. Investor Cash Flow Loan – No tax returns or DTI calculation! Based on subject property cash flow – No Coverage needed DSCR!
6. Flipper & Rehab Loans (Flip a property with one of our many options)
7. 2nd Position Loans up to $5mm
8. Raw Land & Lot Loans
9. Ground up Construction for spec homes, custom homes and commercial ground up.
10. Farms, Vineyards, Ranches and Agricultural Properties (25-30% down)
11. 5% down Jumbo’s with NO MI up to $2mm / 10% down up to $3mm
12. Acreage Properties
13. Commercial Loans up to $500mm
14. 3% & 5% down Conventional Loans– LPMI (Lender paid mortgage insurance)
15. Foreign Nationals Loans (no social security or residency required)