Flexible Loan Solutions for Homebuyers with No Job No Income

Q: How fast can I close on a No Job No Income loan?

Many loans close in 10–15 business days—much faster than traditional FHA or Conventional loans.

Q: Do these loans also work for investors?

Yes. Investors can qualify for up to 85% LTV with DSCR programs that use rental income.

Q: How much down payment do I need?

Up to 70% LTV is available for primary homes, which means a down payment of about 30%.

Q: What’s the minimum credit score required?

You may qualify with scores starting at 600, though stronger credit unlocks better terms.

Q: Can I really buy a home with no job or income paperwork?

Yes. With our flexible loan options, you can qualify using assets or property income instead of W-2s or tax returns.

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Flexible Loan Solutions for Homebuyers with No Job No Income

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1. Can You Get a Mortgage Without a Job or Income?

2. What Loan Options Are Available for No Job, No Income Buyers?

3. Who Can Benefit from a No Job No Income Loan?

4. What Are the Key Benefits for Homebuyers?

5. Why Choose Loan Factory?

6. Frequently Asked Questions

Can You Get a Mortgage Without a Job or Income?

For many homebuyers, the hardest part of getting a mortgage isn’t affording the payment—it’s proving income with W-2s, pay stubs, or tax returns.

That’s why Loan Factory offers No Job No Income loan options, designed to help borrowers qualify without the traditional hurdles.

These loans are part of today’s non-QM programs, built for buyers with assets, strong credit, or unique financial situations.

What Loan Options Are Available for No Job, No Income Buyers?

What Loan Options Are Available for No Job No Income Buyers?

Unlike banks that say “no,” Loan Factory makes it easier for homebuyers to qualify. Here’s what makes our solutions stand out:

Rates starting from 6.5% (APR 6.478%)
Credit scores starting at 600+
Up to 70% LTV for Primary Homes
Up to 85% LTV for Investors (if you plan to rent out the property)
Competitive terms with no points

Whether you’re a first-time buyer, a retiree, or self-employed, our programs give you more ways to qualify.

Who Can Benefit from a No Job No Income Loan?

You may be a good fit if you are:

A homebuyer with savings but no W-2 income paperwork.
A self-employed borrower with non-traditional income.
A retiree or high-net-worth individual who prefers asset-based approval.
A real estate investor who wants to qualify using property income instead of personal tax returns.

What Are the Key Benefits for Homebuyers?

Skip the paperwork hassle – No W-2s, tax returns, or pay stubs.
More flexible credit – Minimum scores start at 600.
Higher leverage – Up to 70% LTV for your primary residence.
Fast approvals – Many loans close in as little as 10–15 business days.

Why Choose Loan Factory?

At Loan Factory, you’re not limited to one bank’s offer. Instead, our platform compares 240+ wholesale lenders to find competitive options that fit your needs.