No Ratio lenders
No ratio loans that don't require debt-to-income calculation
13
lenders offering No Ratio in our directory
31
states with lender coverage
Remn
AL, AR, CA, CO, DE, FL +14 moreconventional, government AND non QM lender , JUMBOS AT LTV, BANK STATEMENT, 1099 ONLY, INVESTOR CASH FLOW, RENOVATIONS / FHA, VA, Bank Statement, ITIN / Foreign, DSCR, Stand Alone 2nd, Piggy Back, Interest Only, 40 Year Option, ARMs, Multi Family, Mix Use, Jumbo, No Ratio, No Income Docs, Asset Depletion, USDA, Close in LLC
Max LTV: 95%The Lender (Hometown Equity Mortgage - HTEM)
AL, AR, CO, DE, ID, IL +14 moreFHA, VA, Bank Statement, ITIN / Foreign, Reverse, DSCR, DPA, Stand Alone 2nd, Bridge, Interest Only, 40 Year Option, ARMs, Multi Family, Condotels, Non Warrantable Condos, Jumbo, No Ratio, No Income Docs, Asset Depletion, USDA, Close in LLC
MeMortgage [Use with caution]
AL, AR, CO, IL, IN, LA +13 moreInterest only available with 30 or 40 year term, DTI up to 55 allowed, Credit scores down to 620, All occupancy types allowed, \Multiple financed properties allowed, Max LTV up to (purchase only)FHA, VA, Bank Statement, DSCR, DPA, Interest Only, 40 Year Option, ARMs, Multi Family, Mix Use, Condotels, Non Warrantable Condos, Jumbo, No Ratio, No Income Docs, USDA, Close in LLC
Nations Direct
AL, AR, CO, CT, DE, IN +12 moreFHA, VA, Manual underwriting for government programs, Manufactured Homes (min FICO 620), Bank statement / FHA, VA, Bank Statement, DSCR, Interest Only, 40 Year Option, ARMs, Jumbo, No Ratio, Asset Depletion, USDA, Close in LLC, DSCR- No licensing in 18 states (10 to follow), FHA DPA
AmWest Funding
AL, AR, CO, DE, IL, IN +10 moreFHA, VA, Bank Statement, DSCR, VOE Only, Interest Only, 40 Year Option, ARMs, Asset Depletion, P&L only and 1099 only / FHA, VA, Bank Statement, ITIN / Foreign, DSCR- first time home buyer allowed, VOE Only, Interest Only, ARMs, Multi Family, Non Warrantable Condos, Jumbo, No Ratio, No Income Docs, USDA, P&L only program
FundLoans
AL, AR, CO, DE, GA, IN +10 moreQM Jumbo, Alt Doc, Non QM Full Doc up to 5M, DSCR, Bank Statement, Cryptocurrency (Bitcoin Only) / Bank Statement, ITIN / Foreign, DSCR, Interest Only, 40 Year Option, ARMs, Condotels, Non Warrantable Condos, Jumbo, No Ratio, No Income Docs, Asset Depletion, Close in LLC, CPA P&L Only- We don't need to introduce bank statements for income-qualifying purposes. We also have a 40 Year Fixed term, no IO. , stand alone second mortgage
AD Mortgage
AL, AR, CO, DE, ID, IL +9 moreJumbo, Conv, FHA, Non QM, DSCR, Asset depletion, foreign national * the best non qm and foreigh national lender per Jose * Crypto / Bank Statement, Puerto Rico -LTV , DSCR, VOE Only, Bridge, Interest Only, 40 Year Option, Multi Family, Non Warrantable Condos, Jumbo, No Ratio, Asset Depletion, Close in LLC
LoanWyse
AL, AR, CO, DE, ID, IL +9 moreResidential DSCR, ITIN / Foreign / Bank Statement, ITIN / Foreign, DSCR, VOE Only, Commercial, Interest Only, 40 Year Option, ARMs, Multi Family, Mix Use, Non Warrantable Condos, Jumbo, No Ratio, Asset Depletion
Wholesale Mortgage Bankers (WMB)
AL, AR, CO, FL, IL, IN +8 moreSuper Jumbo/ Bank Statement, ITIN / Foreign, Fix and Flip, DSCR, VOE Only, Commercial, Interest Only, ARMs, Multi Family, Mix Use, Jumbo, No Ratio, No Income Docs
JMAC
AR, CO, DE, IL, IN, ME +5 moreJumbo, Non QM, Over 3 Million 65 LTV Full Doc Only, AirBnb, Crypto, interest only / FHA, VA, DSCR, VOE Only Interest Only, 40 Year Option, ARMs, Multi Family, Mix Use, Jumbo, No Ratio, No Income Docs, Asset Depletion
Max LTV: 65%
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