Mortgage loan programs
No-Income-Verification Options for a Primary Home
Buying a home to live in can be challenging when tax returns, W-2s or pay stubs do not reflect your situation. LendEase helps Florida homebuyers explore no-income-verification and alternative-documentation purchase options available through participating lenders.
Can this be used for a primary residence?
Ask about programs specifically available for an owner-occupied primary-home purchase. Eligibility for an investment-property loan does not establish eligibility for a home you intend to live in. Your lender must review the requirements for your occupancy and transaction.
What does “no income verification” mean?
The phrase describes a program's income-verification option. It does not mean guaranteed approval, no underwriting, or that every borrower can qualify without income. The lender determines the acceptable qualification method and any required income, asset or ability-to-repay review.
Can a first-time homebuyer apply?
Options may be available for eligible first-time buyers. LendEase can help you compare this approach with conventional and FHA financing, based on your purchase plans, available funds and the lender's requirements.
What should we review together?
- The home you plan to buy and whether it will be your primary residence.
- Your credit profile, available down payment, assets and reserves.
- The documents accepted by the lender for your situation.
- The interest rate, fees, closing costs and repayment terms of available options.
Tell us what documents you have and what makes traditional qualification difficult. We can discuss the next steps without assuming that every alternative-documentation program fits your purchase.
Explore first-time homebuyer options · Learn about Non-QM programs
Subject to lender guidelines, borrower eligibility, property requirements and underwriting approval. Program availability and documentation requirements vary.