Bottom Line Up Front
Our No Job, No Income home loan is designed for individuals with strong credit scores and significant assets but without verifiable employment or income. Whether you're retired, between careers, or living off investments, this program qualifies you based on your financial strength rather than a paycheck.
Overview
Our No Job, No Income home loan is designed for individuals with strong credit scores and significant assets but without verifiable employment or income. Whether you're retired, between careers, or living off investments, this program qualifies you based on your financial strength rather than a paycheck.
Who Qualifies?
680+ credit score. Significant liquid assets (bank statements, retirement accounts, investment portfolios). Purchase, refinance, or cash-out up to 50% LTV. Primary, second home, or investment property. Loan amounts $150K–$3M.
Key Benefits
- ✓No employment or income documentation required
- ✓No tax returns, W-2s, or pay stubs
- ✓Loan amounts up to $3 million
- ✓Primary, second homes, and investment properties eligible
- ✓Qualify using assets alone
- ✓40% down with gift funds allowed
✅ Pros
- Perfect for retirees, career-changers, and high-net-worth individuals
- No income documentation at all
- Flexible property types
- Competitive rates for the category
⚠️ Considerations
- 680+ credit required
- Significant assets needed
- Higher down payment (40%)
- 12 months reserves required
California-Specific Information
Especially popular in California's high-net-worth communities — Newport Beach, Beverly Hills, Palo Alto, La Jolla — where many residents have significant assets but non-traditional income situations.
Rates & Pricing
Starting at 6.25% rate / 6.611% APR for 30-year fixed. Rates vary by credit, LTV, and property type.
Why Work with Our Recommended Broker for No-Income Loans?
Our recommended broker, Save Financial, Inc. (Sponsored by Save Financial, Inc. (NMLS #377740)), is a trusted California mortgage brokerage with 45 years of combined experience and relationships with 20+ wholesale lenders. They specialize in finding the best no-income loans rates and terms for California borrowers. Their $500 price guarantee means if they can't beat another lender's offer, you get $500. Our recommended broker serves 168+ California cities from offices in Newport Beach and Marina del Rey, and the team speaks English and Spanish.
Call (888) 703-1840 or get a free quote online — open 7 days a week, 9AM–8PM.
Our Recommended Broker's $500 Price Match Guarantee
Our recommended broker, Save Financial, guarantees to beat any written offer for the same product, we pay you $500 cash.
Sponsored by Save Financial, Inc. (NMLS #377740) · DRE #01875766 · Call (888) 703-1840
Reviewed By
Mike Baasti, Licensed Mortgage Broker
Expert contributor to Mortgage Guide California. Licensed mortgage broker (Sponsored by Save Financial, Inc. (NMLS #377740), DRE #01875766) and founder of Save Financial, Inc. in Newport Beach, CA. 20+ years originating conventional, FHA, VA, jumbo, and specialty loans across California.