No Income Loans

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


Need a No Income Loan?

Do you need to buy a home or refinance but can’t because you can’t prove your income?

Equinox Home Financing offers a No Income Loan.  This loan program is perfect for someone who is self-employed and has a lot of tax deductions so on paper, the net income on their tax returns is too low to qualify for a conventional loan program. Anyone can qualify, not just those that are self-employed. It’s also for those that have cash paying jobs, contract jobs that pay in lump sums, or for those that simply do not want to disclose their income.

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How It Works

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Call or 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. 

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Get Approved

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

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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. 

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Why Equinox?

Here at Equinox Home Financing, we pride ourselves on providing solutions to self-employed home buyers and borrowers. If you can’t provide proof of income or you are like most other business owners who have an overage of tax deductions, we can help you! 

Yes, We are No Income Mortgage Experts.

Here at Equinox Home Financing, we’ve helped thousands of self-employed and business owners either buy a home or refinance their mortgage by using a No Income Loan. Once we have reviewed your loan application, we will be highly certain that you do qualify. This is why our conversion ratio is so high. Don’t believe us? Call us today to find out.

Funded No Income Loans


Application to Closing Conversion

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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 show that a borrower has the ability to repay the loan back since they cannot prove or document their income. These loans do require higher down payments then most others and it starts at having a 20% down payment when buying and can go as high as 75% of the homes 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 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 what type of loan program you are qualified for. With a No Income Loan program, we can offer this loan on a Owner occupied or second home property only. We can lend on single family residences, condo’s and 1-4 unit properties.

Our Latest Funded Loans

Take a look at some of the loans we recently funded for our self-employed customers

cali house

Los Angeles, California

  • Bank Statement Loan
  • 10% Down Payment
  • $1,200,000 Loan Amount

Tampa, Florida

  • Bank Statement Loan
  • 25% Down Payment
  • $475,000 Loan Amount

Plano, Texas

  • 2 Year 1099 Loan
  • 15% Down Payment
  • $505,000 Loan Amount


Read what our customers are raving about

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What Are You Waiting For?

Call us today. A licensed representative is on stand by to help you with your financing needs. There’s no need to wait any longer. Get financing now!