No Job No Income

No Job No Income Loan Program

An Ideal Loan Solution for Primary Residence Without Employment or Reported Income

This unique financing option is designed for borrowers who may not have traditional income or employment documentation — while still enabling them to purchase or refinance a primary home.

Program Highlights

• 🏠 Max Loan Amount: Up to $3.5 million

• 💳 Min FICO Score: 680

• 📈 Max LTV: 65%

• 🔁 Loan Types: 3/6 ARM or 5/6 ARM

• 📍 Available in: California (CA) and Hawaii (HI)

• ⏱ Typical Turnaround Time: ~45 days (All conditions must be submitted at once)

• 🏘 Eligible Property Types:

  • Single-Family Residences (SFR)

  • PUDs

  • Condominiums

  • 2–4 Unit Properties

Key Features

• ✅ No Job and No Income Required

• ✅ All Occupancy Types Eligible

• ✅ Up to 50% Down Payment Can Be Gifted (for purchase transactions)

• ✅ Foreign Nationals & Non-Permanent Residents Eligible

• ✅ P&I Reserve Requirements:

  • 24 Months for Foreign Nationals, Non-Permanent Residents, or Cash-Out

  • 12 Months for All Others

• 📝 CPA-prepared P&L or CRA WVOE may be applicable depending on scenario

📞 Have Questions?
Reach out to the Linkhome team at [email protected] or call (626) 678-0777
We’re here to help you explore alternative lending solutions.