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No Ratio Loan     

No Ratio Loans: Financing Based on Credit & Equity, Not Paperwork

No Income Verification. No Employment Checks. No Stress.

At Loanhse.com, we believe that creditworthy borrowers shouldn't be locked out of homeownership just because their financial life doesn't fit into a traditional W2 box. Whether you are a retired professional with significant assets, a self-employed entrepreneur, or a gig-economy success story, our No Ratio Loan is the ultimate "Common Sense" solution.

We’ve removed the DTI (Debt-to-Income) hurdle entirely. If you have the credit and the equity, you have the loan.

What is a "No Ratio" Loan?

In a traditional mortgage, the lender calculates a "ratio" of your monthly debt to your monthly income. If that ratio is too high, you’re denied—even if you have millions in the bank.

The No Ratio Loan (our premier "Ally" and "Community" program) ignores that ratio. We don't ask for your tax returns, we don't verify your employer, and we don't calculate your income. Instead, we qualify you based on three simple pillars:

  1. Your Credit Score (FICO)

  2. Your Down Payment (Equity)

  3. Your Liquid Reserves

Program Highlights

Feature No Ratio Loan Details
Verification Zero Income or Employment Verification
Max Loan Amount Up to $2.5 Million
Max LTV Up to 80% (20% Down Payment)
Credit Score Options starting at 620–660+
Occupancy Primary Residences & Second Homes
Property Types Single Family, Condos, Townhomes, up to 20 Acres

Who Benefits Most from a No Ratio Loan?

This program was specifically designed for "non-traditional" borrowers who are often underserved by big banks:

  • Retirees: Use your life savings and high credit score to buy a home without needing a monthly paycheck.

  • Self-Employed & Gig Workers: Avoid the headache of trying to prove "taxable income" after business deductions.

  • High-Net-Worth Individuals: Perfect for those with complex global assets who prefer a streamlined, private application process.

  • First-Time Homebuyers: Welcome! We offer inclusive paths for those entering the market for the first time.

The Loanhse Advantage: Speed & Inclusivity

As a partner of mission-driven lenders, we offer proprietary products that you won't find at your local retail bank.

  • Close in Days, Not Months: Without the back-and-forth of income auditing, we can move from application to clear-to-close in record time.

  • CDFI Certified: Our "No Ratio" products are backed by a mission to expand homeownership to diverse and underserved communities.

  • 100% Gift Funds: For many purchase scenarios, 100% of your down payment can come from a gift.

  • Cash-Out as Reserves: Need a cash-out refinance? You can use the cash-out proceeds to satisfy the reserve requirements for the loan.

The Easiest Mortgage Experience of Your Life.

Stop fighting with underwriters over tax transcripts. Experience the freedom of a No Ratio Loan at LoanHouse.