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No Income No Asset Verification

Income and Asset Documentation Not Required

Forms 4506-T and 4506-C Not Required

Update: September 2023

Tax Returns Not Needed for Self Employed or W-2 Employees

Loan Purpose:

Purchase, Refinance and Cash-Out Refinance Portfolio Programs

Cash-Out Refinance Requires 90-day Purchase Seasoning in Order to use “Market Value”. Less than 90 days, “purchase price” is used for LTV purposes.

Property Types:

SFR and PUDS only

Eligible Occupancies:

Owner Occupied and Second Homes Only


680 Minimum Credit Score required

75% Maximum LTV (loan to value)

$350,000 minimum Loan Amount

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

Reference # am09jj-001

Alternative Income Documentation

Contact a Loan Officer

Non-Qualified Lending

Non-Qualified Lenders

Unconventional Lenders