How To Get A No-Income Loan

Getting a No-Income Loan for a home is possible even when other lenders have turned you down. So, what if you do not have a current job, or are retired? Your situation is unique so keep reading to find out more.

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At HomePromise, we have helped our clients get a home loan without having any income. So let’s learn the basics below first.

How Does A No-Income Loan For A Home Work?

At some point in your life there may come a time when you have no income but need to take out a loan. This situation is where No-Income Loans can help. And yes, they are possible with us.

Most lenders will require proof of income before they will lend you money. However, a No-Income Loan Program is a solution that some lenders like HomePromise may offer if you prove you have an alternative way to pay off the debt.

How To Qualify For A No Income Loan With Us

Getting a No-Income Loan depends on proving you have the ability to repay the loan back through non-traditional means. No-Income Loans require an alternative way of showing this ability. In addition to your credit history, here are several other ways you can indicate your ability to repay the debt.

Balances in Retirement Accounts

Child Support or Alimony Income

Seasonal Unemployment Benefits

Disability Income

Veterans Administration (VA) Benefits

Royalty Payments

Dividend, Interest or Other Investment Income

How To Obtain A No Income Loan With HomePromise

With the right alternatives proving your ability to repay the loan, a loan approval with us is possible. So call us today since your situation is unique. We are more than willing to help you through the entire process from start to finish.


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