No Income Verified Assets

flexible offerings

Quintessential Mortgage Group provides a financing program for borrowers that do not meet conventional guidelines. In this particular no-income program, both income and employment are not required, perfect for individuals who either don’t have employment or don’t have the income to qualify for a conventional loan. This loan is eligible for purchases, refinances and cash-out refinances as well.

Basic Requirements

When you apply for a mortgage loan or refinance, lenders typically require several things to prove your creditworthiness and ability to repay the large loan. In addition to authorizing a credit check, you usually have to provide proof of income, assets, savings, or all of these. No income verification mortgages often come with higher interest rates than conventional mortgages. Some of the guidelines include:

  • Cash-out reduce Financing by 5% 
  • 60 Loan to value
  • Second or vacation home eligibility

Contact our team of loan experts at Quintessential Mortgage Group today to learn more. 

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