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Buy or Refinance Without Traditional Income Documentation

Qualify for a primary residence without stating employment or income on the application — and without providing traditional income documentation. 
  • Highlights
  • Requirements
  • Usage
  • Next Steps
A Flexible Option for Nontraditional Income

Designed for borrowers with strong credit and assets who may not fit traditional income documentation requirements.

  • Self-employed borrowers
  • Business owners
  • Retirees
  • Freelancers, consultants, and contractors
  • Borrowers with complex or difficult-to-document income
  • High-net-worth borrowers with significant assets
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Program Requirements

Review the key credit, loan amount, LTV, and reserve requirements for this mortgage option.

  • Employment not stated on the application
  • Income not stated on the application
  • No traditional income documentation required
  • FICO scores starting at 640
  • Loan amounts up to $2.5 million
  • Up to 80% LTV for purchase or rate/term refinance
  • Reserves as low as 6 months
  • Cash-out funds may be used toward reserves
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When This Loan Can Make Sense

A flexible option for borrowers who may not qualify easily using traditional income documentation.

  • Buying a primary residence
  • Refinancing a primary residence
  • Self-employed or business-owner income
  • Variable or difficult-to-document income
  • Retirees with assets but limited traditional income
  • Borrowers with strong credit and reserves who do not fit standard underwriting
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See If This Loan Fits Your Situation

Tell us a little about your goals and finances, and a licensed LoanFlight mortgage professional can review your options.

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LoanFlight Lending, LLC.

NMLS #1522344 

4343 Anchor Plaza Pkwy Ste 210
Tampa, FL 33634
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