No Ratio Loan
No income documentation. No problem.
No Ratio loans require no income or employment documentation. Qualification is based entirely on credit, assets, and the loan-to-value ratio. Ideal for high-net-worth borrowers, retirees, or those with complex income structures.
Key Advantages
Why Choose a No Ratio?
Here's what sets this loan product apart and who it works best for.
Zero Income Documentation
No W-2s, tax returns, or pay stubs required — qualification is asset and equity based.
No DTI Calculation
Debt-to-income ratios are not calculated, making this ideal for borrowers with high expenses.
Privacy-Focused
Your income sources and amounts remain private — only assets and credit are evaluated.
Fast Processing
Fewer documents means a streamlined process and potentially faster closing.
Calculator
Loan Calculator
Estimate your monthly payment and total interest over the loan term.
Loan Term
Monthly Payment
$1,996/mo
Total Interest
$418,527
Total Paid
$718,527
Calculator results are estimates only and do not constitute a loan offer, pre-approval, or commitment to lend. Actual terms may vary.
Eligibility
Qualification Requirements
General guidelines for No Ratio Loan eligibility. Requirements vary by lender and scenario.
| Requirement | Guideline |
|---|---|
| Minimum Credit Score | 700+ |
| Minimum Down Payment | 30% |
| Qualification Basis | Asset and equity-based |
| Income Documentation | None required |
| Property Types | Primary, second home, investment |
These are general guidelines only. Specific program requirements may vary. Contact us for a personalized review of your scenario.
FAQ
Frequently Asked Questions
Common questions about No Ratio Loan loans.
Get Started Today
Ready to explore No Ratio Loan?
Answer a few quick questions and get a personalized strategy recommendation — including whether No Ratio is right for your situation.
West Capital Lending, Inc. is an Equal Housing Lender. We do not discriminate on the basis of race, color, religion, national origin, sex, handicap, or familial status.
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