NO-INCOME
HOME LOANS
Flexible Non‑QM purchase and refinance options with no income documentation required — ideal for investors, foreign nationals, and borrowers who qualify outside traditional guidelines.
Key Features
No Income Documentation Required | Primary & Investment Properties Allowed
Why EHGM's No-Income Loans Are Different​
We fully structure your Non‑QM file upfront — property analysis, documentation, and lender overlays — so there are fewer surprises during underwriting. Our experience with DSCR, foreign nationals, and no‑ratio loans helps ensure a smoother approval process.
Lower Fees, More Non‑QM Buying Power
As a brokerage, we compare multiple Non‑QM and investor‑focused lenders to find pricing that maximizes your buying power. You get better terms, more flexibility, and reduced lender fees compared to working with a single bank.
More Loan Options, One Application
We shop several Non‑QM lenders offering DSCR, no‑ratio, and foreign national programs — each with unique guidelines. One application gives you access to multiple qualification methods: rental income, asset‑based, foreign credit, or no ratio at all.
Faster Turn Times & More Flexible Processes
We partner with lenders specializing in investor and alternative‑documentation loans. Their streamlined processes, common‑sense underwriting, and responsive communication allow us to close faster and adapt quickly when property or borrower conditions change.
​100% of clients work directly with a licensed advisor — never a call center.
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No-Income Home Loans Criteria
What you can expect
Max Loan Amount
$75K to $4MM+ (loan limits will vary by lender).
Purchase, Refinance, & Cash-Out
Minimum 20% down payment with 640+ FICO for purchases. Max loan-to-value is 80% for rate & term refinances and 75% for cash-out refinances.
Credit
Minimum 640+ FICO with 35% down payment on purchases and and 75% LTV cap on refinances.
Residency
US Citizens, Permanent Resident Aliens, Non Permanent Resident Aliens, & Foreign Nationals allowed.
Income
No income documentation is required. Loan qualification is based on property equity and or cash flow.
Assets & Reserves
Assets must be sourced and seasonsed for 60 days. 3 months minimum reserves required. Gift funds are allowed.