Flexible, asset-based financing for your primary home.
This program is built for buyers who don’t have standard pay stubs, W-2s, or steady employment but are ready to own. Self-employed, freelancing, retired, or between roles — it offers a flexible route to a home without the usual income hurdles.
Why Buyers Choose It
- No income verification. No tax returns, pay stubs, or employer letters.
- No employment verification. A fit for non-traditional or variable work situations.
- Less paperwork. A streamlined, faster approval.
- Flexible by design. Works for the self-employed, freelancers, investors, and retirees.
- Competitive rates, even without traditional documentation.
- Purchase or refinance. For new homes or existing mortgages.
Program Parameters
- Loan amounts: $300,000 – $2,000,000
- Credit score: generally a 660 minimum
- Down payment: 20% with a 720+ score
- Documentation: asset verification to confirm down payment and reserves
- Property types: single-family homes and condos
- Rates: fixed and adjustable; may run slightly higher to offset the added risk