No Income / No Employment

Certain specialty loan programs may allow borrowers to qualify without traditional income or employment documentation.

Instead of pay stubs or tax returns, lenders may rely on other factors such as significant assets, large down payments, or alternative forms of verification to assess the borrower’s ability to repay.

These programs are not common and usually come with stricter requirements, higher interest rates, and larger equity or reserve needs than standard loan options. Availability varies by lender and program, and not all borrowers will qualify.