09/08/2026
Have a buyer with strong credit, a solid down payment and money in the bank—but no traditional job or verifiable income?
They may still be able to qualify for an owner-occupied home through the Champions Funding Ally No Ratio Program.
✅ No employment verification
✅ No income verification
✅ No tax returns, W-2s or pay stubs used to qualify
✅ No debt-to-income ratio calculation
✅ Available for primary residences and second homes
✅ Purchase and refinance options may be available
Instead of qualifying through employment or income, the borrower must meet the program’s requirements for credit, assets, down payment/equity and reserves. Depending on the transaction, the borrower may need enough verified funds remaining after closing to cover 12 months of the new total housing payment, including principal, interest, property taxes, homeowners insurance and applicable HOA dues.
This is a powerful backup option for buyers who are financially strong but cannot qualify through traditional income documentation.
📩 DM me the words “NO JOB” and I’ll send you the details.
This is a Non-QM loan program. No income or employment verification does not mean automatic approval. Asset, credit, property, down-payment/equity and reserve requirements apply. Program availability and guidelines are subject to change. Not all applicants will qualify. This is not a commitment to lend. Equal Housing Opportunity.
Ziad Kizy | NMLS #326990
