No Income Check Loans

At PrivateLend.com, we offer No-income check loans for individuals facing income verification challenges or those with unconventional income streams. Our no-income check loans provide non-qm financing for purchases, refinancing and cashout refinancing without the burden of traditional income documentation. One of the main benefits of no-income check loans is it opens up borrowing options for self-employed individuals, freelancers, and other independent contractor positions.

Asset Requirements:

  • 12 months reserves required
  • 12 months min cash/12 months other (ex. 401k, real estate)

No-income-check loans offer distinct advantages in specific scenarios. These loans can serve as a lifeline for self-employed individuals, gig workers, or those with unconventional income sources who struggle to verify their earnings through traditional means. By bypassing income verification, the program does require a minimum down payment of 20% for purchase transactions. For cashout refinances the program is limited to 65% loan to value. The program is rather easy to obtain as no income is being calculated and the program solely relies on credit score and equity in the property.

We have experienced loan officers ready to consult with you at no cost about our no-income check program.

Contact us to learn more about No Income Check Loans.

Have Questions or Need Help?

Call us at (800) 532-2430