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Have a unique income situation?
Let's talk through what documentation option makes sense for you.
Apply NowNo income / asset-based programs qualify borrowers without traditional pay stubs, W-2s, or tax returns — for a purchase or a refinance — built for situations where conventional income documentation doesn't tell the full story.
Have a unique income situation?Some no-income programs qualify borrowers based on liquid assets rather than employment income.
If your income doesn't come from a traditional paycheck, an asset-based approach can reflect your actual financial picture.
A flexible option when income documentation doesn't tell the full story.
No-income and asset-based refinance options follow the same alternative qualification approach as a purchase, whether you're lowering your rate or taking cash out.
These non-QM programs don't require traditional pay stubs, W-2s, or tax returns to document income — qualification is typically based on assets, the property, or other alternative factors.
They often come with tradeoffs like larger down payments, higher rates, or reserve requirements to offset the reduced documentation, but they can be the right fit when traditional documentation isn't available.
Yes — these programs apply to refinances as well as purchases, using an asset-based or alternative qualification approach instead of traditional income documentation, whether you want to lower your rate or access equity.
Let's talk through what documentation option makes sense for you.
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