10/23/2026
No-Income, No-Employment Verification loans are once again available, but this version bears little resemblance to the products that existed prior to the housing crisis. Today's programs incorporate significantly tighter underwriting standards, including higher minimum credit scores, larger down payment requirements, and mandatory cash reserves.
Combined with 30-year fixed-rate structures and the absence of prepayment penalties, these loans offer borrowers a level of stability and flexibility that was often lacking in earlier versions of the product.
Currently available throughout most of the United States, these loans may be used for primary home purchases, cash-out refinances, and rate-and-term refinances. The program is not presently offered in Maine, Maryland, Nevada, Pennsylvania, Washington, West Virginia, or the District of Columbia.
The addition of this product enhances our ability to serve a broader range of qualified borrowers and further expands responsible credit availability in today's market. If you would like more information please call us today! 800-353-9440 NMLS #12024
Licensed By the PA department of Banking and Securities
Licensed by the New Jersey Department of Banking and Insurance
Loans made or arranged pursuant to a CA Lender’s Law License
Licensed by the Florida Office of Financial Regulation