Loan Programs

No Income / No Employment Primary Residence Loan

Empowering OUR Community with Flexible, Asset-Based Mortgage Solutions.

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Home Financing Made Simple — No Income or Employment Verification Required

Our No Income No Employment Loan is tailored for borrowers who may not have traditional paystubs, W-2s, or steady employment but still want to qualify for a mortgage. Whether you’re self-employed, a freelancer, retired, or between jobs, this loan provides a flexible path to homeownership without the usual income documentation hurdles.

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Benefits Include

  •  No Income Verification: No need to provide tax returns, pay stubs, or employment letters.
  • No Employment Verification: Perfect for those without traditional employment history or with variable work situations.
  •  Fast and Convenient: Streamlined approval process with less paperwork and hassle.
  •  Flexible Qualification: Ideal for self-employed individuals, freelancers, investors, retirees, or those with unconventional income sources.
  • Competitive Interest Rates: Access competitive loan rates despite non-traditional documentation.
  •  Available for Purchase and Refinance: Suitable for new home purchases as well as refinancing existing mortgages.

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Loan Parameters:

• Loan Amounts: $300k – $2milllion
• Credit Score: Typically requires a minimum credit score around 660
• Down Payment: 20% with 720+
• Documentation: Asset verification required to demonstrate ability to make Down Payment and Reserves Requirement
• Property Types: Single-family homes, condos
• Interest Rates: Fixed and adjustable-rate options available; rates may be slightly higher than traditional loans to compensate for risk.

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MORTGAGE TOOLS

Your Mortgage Options, Made Clear.

MORTGAGE SOLUTIONS

Find the Financing That

Fits Your Future.

Explore home loan programs designed to support your homeownership goals, whether you’re purchasing, refinancing, or planning your next move.

Conventional

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FHA

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VA

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Jumbo

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Renovation

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USDA

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No Income / No Employment DSCR Investor Loans

Buy Investment Property with Non-traditional Income.
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12/24 Month Bank Statement

Serving OUR Community’s Self-Employed Borrowers with Smarter Loan Options.
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No Income / No Employment Loan Primary Residence Loan

Empowering OUR Community with Flexible, Asset-Based Mortgage Solutions.
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ITIN Mortgage Loan Program

Homeownership Made Possible for Non-U.S. Citizens Using an ITIN.
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P&L-Only Mortgage Loan Program

Streamlined Approval for Self-Employed Borrowers Using Just a P&L.
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1099 Mortgage Loan Program

Flexible Home Financing for 1099 Earners — Less Paperwork, More Possibility.
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NAF Cash

NAF Cash Can Turn You Into a Cash Buyer.
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One Time Close Construction

Build your dream home with an OTC Jumbo loan designed for big visions.
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Down Payment Assistance

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Medical Professionals Mortgage Program

Designed for Doctors, Dentists & Healthcare Heroes in North Carolina — and Beyond
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Free Tools

Check Out Our Other Mortgage Calculators

Access our top-rated mortgage calculators to expertly assess your financing options, compare various loan types, and make informed decisions for your home buying journey.

Affordability Calculator

Assess how much home you can afford based on your income, expenses, and desired down payment.

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Early Payoff Calculator

See how making extra payments can help you pay off your mortgage faster and save on interest.

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Rent vs Buy Calculator

Compare the costs of renting versus buying a home to determine the best financial decision for your situation.

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Seller Net Profit Calculator

See how much you could make from your home sale with our Seller Net Profit Calculator.

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Rate Buydown Calculator

Check out how much you can save with a seller-paid rate buydown.

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HELOC Calculator

Estimate your credit limit and monthly payments with our HELOC Calculator!

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Mortgage Comparison Calculator

Compare different mortgage options side by side to find the best fit for your financial needs.

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Refinance Comparison Calculator

Evaluate the potential savings and costs associated with refinancing your existing mortgage.

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DSCR Investor Calculator

See what your investor ratio is with our DSCR calculator.

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Adjustable Rate Mortgage Calculator

Determine your potential monthly payments and interest costs for an adjustable-rate mortgage over time.

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VA Calculator

Estimate your monthly payments and total costs for a loan backed by the Department of Veterans Affairs.

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Jumbo Calculator

Calculate your monthly payments and total costs for a jumbo mortgage that exceeds conforming loan limits.

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FHA Calculator

Determine your potential monthly payments and total costs for a Federal Housing Administration loan.

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Conventional Calculator

See the monthly payment and total cost for a conventional mortgage loan.

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USDA Calculator

Calculate the costs and monthly payments associated with a USDA Rural Development loan.

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203k Renovation Calculator

Estimate your monthly payment for a loan that combines your home purchase or refinance with eligible renovation costs.

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General Mortgage Payment Calculator

See what your monthly payment could be with our general repayment mortgage calculator.

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YOUR NEXT MOVE STARTS HERE

Let’s find your path home.

Buying, refinancing, or exploring your options? Connect with Greg Downs at New American Funding for personal guidance and home loan options that fit your goals.

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