True, True, True No Ratio


This program is designed to offer non-traditional access to prime capital, fostering homeownership for diverse underbanked individuals and families. The No Ratio program has NO employment verification AND NO Debt-to-Income calculation so ability to repay is determined through good credit history and a lower LTV!

Program Highlights

  • Loan amounts up to $3 Million!
  • Minimum 680 FICO
  • NO DTI calculated- NO Tax Returns or W2s required – NO Employment Verification!
  • Up to 75% LTV for Purchase and Rate/Term Refinance
  • Eligible Properties Include: 1-4 Units, Condos, Co-Ops, PUDs
  • Second Homes Allowed (Max 65% LTV)
  • First-time homebuyers eligible (Max 70% LTV)
  • Interest only option available on all loan terms except 15- year fixed