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 Choose Save Financial for No-Income Loans?
Save Financial is a trusted California mortgage broker (NMLS #377740) with 45 years of combined experience and relationships with 20+ wholesale lenders. We specialize in finding the best no-income loans rates and terms for California borrowers. Our $500 price guarantee means if we can't beat another lender's offer, you get $500. We serve 60+ California cities from our offices in Newport Beach and Marina del Rey, and our team speaks English and Spanish.
Call (888) 703-1840 or get a free quote online — open 7 days a week, 9AM–8PM.
$500 Cash Loan Price Match Guarantee
Get a written offer from any lender. If Save Financial cannot beat it for the same product, we pay you $500 cash.
NMLS #377740 · DRE #01875766 · Call (888) 703-1840
Reviewed By
Mike Baasti, Licensed Mortgage Broker
Founder of Save Financial, Inc. (NMLS #377740) in Newport Beach, CA. 20+ years in residential and investment lending across conventional, FHA, VA, jumbo, hard money, bank statement, and specialty mortgage programs.