NO JOB NO INCOME LOAN

Alternative Financing Solutions When Traditional Loans Aren’t an Option

At Save Financial, we understand that not every borrower fits neatly into the conventional lending box. That’s why we offer a No Job, No Income Home Loan solution—specifically designed for individuals with assets, high credit scores, and a strong financial foundation but without verifiable employment or income.

✅ Who This Program Is For:

• Retired individuals living off savings or investment income

• Self-employed borrowers with irregular or undocumented income

• High-net-worth individuals with liquid assets

• Borrowers transitioning careers or temporarily between jobs

• Anyone with strong credit and reserves but no traditional income documentation

💡 Program Highlights:

• No Employment or Income Documentation Required

• Credit Score as Low as 680 Accepted

• Loan Amounts Up to $3 Million

• Primary, Second Homes, and Investment Properties Eligible

• Use Assets as a Basis for Qualification

• No Tax Returns, W2s, or Pay Stubs Needed

This program is ideal for those with a solid credit profile and sufficient reserves but who don’t fit the mold of a traditional borrower. Whether you’re between jobs, recently retired, or simply want to leverage your assets instead of income—this product was created with you in mind.

💰 How Do You Qualify Without a Job or Income?

Our unique underwriting process looks beyond employment history and instead evaluates your creditworthiness and available assets. You may be eligible if you:

• Have a minimum FICO score of 680

• Can show bank statements, retirement accounts, or investment portfolios as proof of financial strength

• Are purchasing or refinancing a 1–4 unit residential property

🏡 Perfect for Purchases or Refinances:

Whether you’re buying your next home, a vacation property, or want to refinance an existing mortgage without traditional income proof, this flexible program can be tailored to your needs.

💬 Frequently Asked Questions (FAQs)

1. Can I really get approved with no job and no income?
Yes! As long as you meet the credit and asset requirements, your employment or income status won’t disqualify you from this program.

2. What kind of assets do I need to show?
You can use liquid assets like checking/savings account balances, retirement funds (IRA, 401k), investment portfolios, or even proceeds from recent asset sales.

3. Is this program available for investment properties?
Absolutely. You can use this loan to purchase or refinance an investment property, second home, or primary residence.

4. What’s the minimum credit score required?
A FICO score of 680 or higher is typically required, though stronger scores may allow for better terms.

5. Do I need to provide tax returns or W2s?
No. This loan program does not require any tax returns, W2s, or pay stubs. We focus on your assets and credit profile instead.

6. Can I use this program to refinance my existing mortgage?
Yes! It’s a great solution for refinancing when income documentation is unavailable or not reflective of your true financial strength.

7. Are there interest-only options available?
Yes, interest-only loan options are available for qualified borrowers.

8. Is this a hard money loan?
No. This is a specialty non-QM (non-qualified mortgage) loan, not a hard money loan. The rates are typically more favorable than private lending options.

9. How long does the approval process take?
While every file is different, most escrows close within 45 days. To stay on track, it’s critical that we receive a complete loan application along with all supporting documentation upfront—including credit authorization, asset statements, ID, and any property-related documents. Delays often happen when documentation is incomplete or submitted late, so we recommend working closely with our team from day one to keep things moving smoothly..

10. Who can I talk to for more information?
Reach out directly to Mike from Save Financial for a free consultation. He’ll walk you through your options and let you know exactly what’s needed to get started.