No Income or Asset Documentation Required
Updated: June 2025
No Tax Returns, 4506-T, or 4506-C Needed
Loan Purpose:
* Purchase
* Rate & Term Refinance
* Cash-Out Refinance (see seasoning note)
Cash-Out Refinance Note: Properties must be owned for at least 90 days to use market value for loan-to-value (LTV) calculations. If owned for less than 90 days, purchase price will be used.
Highlights:
* 660 Minimum Credit Score required
* 80% Maximum LTV (loan to value)
* $350,000 minimum Loan Amount
* $3,500,000 Maximum Loan Amount
Eligible Property Types:
* Single Family Residences (SFR)
* Planned Unit Developments (PUDs)
Occupancy Types:
* Owner-Occupied
* Second Homes
Program Highlights:
* Minimum Credit Score: 660
* Maximum LTV: 80%
* Loan Amount: $350,000 to $3,500,000
Available in the Following States:
Alabama, Arizona, Arkansas, California, Colorado, Connecticut, Delaware, Florida, Georgia, Hawaii, Illinois, Iowa, Kansas, Kentucky, Maine, Maryland, Missouri, Nevada, New Hampshire, New Jersey, New Mexico, North Carolina, Oregon, Pennsylvania, South Carolina, Tennessee, Texas, Virginia, and Washington