Groundbreaking Loan Program: No Doc, No Job, and No Debt-to-Income Ratio

Primary Residence and Second Home – Hawaii or California

No Tax Returns Needed to Qualify

At Pacific Home loans, we make ownership of a Principal Residence or Second Home possible with a new loan program that doesn’t require income, employment, or Debt-to-Income (DTI) to qualify.

Program Highlights:

  • Available in Hawaii or California
  • Primary Residence or Second Homes
  • Credit Underwritten Based on LTV, FICO, and Liquidity
  • Minimum FICO = 640
  • Purchases: minimum 20% down
  • Refinances starting at 80% of the property value
  • Loan amounts up to $3,000,000
  • Income documentation not required
  • Debt-to-Income (DTI) no applicable
  • Asset seasoning: 30 Days
  • Only first page of a bank statement required for typical portfolio loans
  • 3 months’ reserves

 Ideal For:

  • Self-Employed or Small Business Owner
  • Volatile or irregular income
  • Retired
  • Seasonal & gig workers
  • Owners & employees of cash businesses
  • Newly self-employed
  • Transitioning from recent health, family, or other life events
  • Recent immigration
  • Disqualified income
  • Real Estate investors

If you think your financial situation makes sense in qualifying for a loan, please contact Pacific Home Loans – email us today or call (808) 891-0415 (toll-free: 866-389-2778) during business hours to see if one of our programs is the loan you have been searching for!