No Income Loans

Buy Or Refinance Your Home. No Income Verification! LTV Up To 75% For Cash Out Or 80% For Home Purchases.

Apply Now

No Income Loan: Program Highlights & Borrower Benefits

Our No Income Loan is designed for borrowers who prefer not to provide traditional income documentation like tax returns, W-2s, or bank statements.

Qualification is based on property cash flow, assets, equity position, and overall financial strength — not personal income.

This program is built for asset-backed borrowers who understand leverage.

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Program Highlights

Loan Amounts: Up to $3,000,000 (varies on loan to value)

DTI Calculation: Never required

Min Credit Score: 660+ (680+ preferred for better terms)

Maximum LTV: Up to 80% depending on property and credit

Down Payment: Starting at 20% (varies by credit profile)

Property Types: Single family residence, condo, 1-4 units

Income Documentation: Never required

Occupancy: Owner-occupied, second home, and non-owner occupied available

Reserves: Typically 6–12 months required

No W-2s.
No tax returns.
No traditional DTI.

 

Approval is based on the strength on credit and assets — not your income.

Program Highlights

Loan Amounts: Up to $3,000,000 (varies on loan to value)

Min Credit Score: 660+ (680+ preferred for better terms)

Down Payment: Starting at 20% (varies by credit profile)

Income Documentation: Never required

DTI Calculation: Never required

Maximum LTV: Up to 80% depending on property and credit

Property Types: Single family residence, condo, 1-4 units

Occupancy: Owner-occupied, second home, and non-owner occupied available

Reserves: Typically 6–12 months required

No W-2s.
No tax returns.
No traditional DTI.
Approval is based on the strength on credit and assets — not your income.

How It Works

Apply Online

Our licensed loan officers are ready to help answer any questions that you have. Taking an application over the phone could be as quick as 10 minutes.

Get Approved

We will review your loan application, your property will be appraised, underwritten, and approved.

Fund

Once all items have been satisfied and we are clear to close, loan docs will be drawn. You’ll sign loan docs and your loan will fund.

Apply Online

Our licensed loan officers are ready to help answer any questions that you have. Taking an application over the phone could be as quick as 10 minutes.

Get Approved

We will review your loan application, your property will be appraised, underwritten, and approved.

Fund

Once all items have been satisfied and we are clear to close, loan docs will be drawn. You’ll sign loan docs and your loan will fund.

Equinox Makes Financing Simple

At Equinox, we specialize in no income lending strategies.

We help borrowers:

  • Keep their write-offs aggressive
  • Protect their tax structure
  • Real estate buying with triggering DTI calculations
  • Close quickly without unnecessary documentation

Our team understands no income loan structuring, making it easy to participate in real estate investing.

This isn’t a traditional mortgage.
This is a leverage strategy.

Couple looking at house

Why Choose a No Income Loan?

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High-net-worth borrowers with complex income
9
Business owners with heavy tax write-offs
9
Borrowers who want faster, cleaner approvals
9
Portfolio builders who’ve maxed out conventional DTI
If your credit and assets are outstanding, then you already qualify.

No income? Credit and asset verification only.

We are the Alternative Mortgage Financing Experts.

At Equinox Home Financing, we've helped thousands of borrowers purchase and refinance homes using some of the industry's most innovative financing solutions. Put our knowledge and experience to work for you. Contact us today for a free quote and consultation.

Funded Home Loans

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Application to Closing Conversion

Funded Home Loans

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Answers to Your Questions

What is a No Income Loan?
A No Income Loan is not based on income like traditional loans require. These programs do require good to excellent credit and plenty of verifiable liquid assets. Instead of looking at monthly or annual income, liquid assets are used to show that a borrower has the ability to repay the loan since they cannot prove or document their income. These loans do require higher down payments than most others, and it starts at having a 20% down payment when buying, and can go as high as 75% of the home’s value if doing a refinance.
Is My Credit Score a Factor in Getting Approved?
When doing a No Income Loan, we do look at your credit score. These programs are a lot more lenient than traditional loans are, so we can go as low as a 660 FICO score at times. Also, when doing a No Income Loan, we are very easy on past short sales, foreclosures, or derogatory credit. If your financial situation makes sense today, we can lend you the money you need for a purchase loan or a refinance loan.
What Kind of Loan Terms Do You Offer?
No Income Loans come in all types of loan terms. It’s a very flexible program that can help you get the payment that you need. No Income Loans are available as a 5 Year Adjustable Rate Mortgage, which will get you the best interest rates. If you want a longer term, we have a 7 Year Adjustable Rate Mortgage available and a 30 Year Fixed Rate option available as well. Some borrowers prefer interest-only payments, which we can do as well, so that you can keep your monthly payments as low as possible.
How Do I Get Qualified?
The process is simple. When most people call us, they are usually skeptical about the program and if they can really qualify. Here at Equinox Home Financing, we have been providing these programs since they have been made available and have been able to help many borrowers purchase or refinance their homes. First step is to call us, a professional will help consult with you and explain how our programs work in detail. There are many types of programs, and it’s best to speak with us so we can guide you in the right direction.
What Type of Properties Can I Finance?
It depends on the type of loan program you are qualified for. With a No Income Loan program, we can offer this loan on an owner-occupied or second-home property only. We can lend on single-family residences, condos, and 1-4 unit properties.

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What Are You Waiting For?

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