A Smart, Flexible Path to Homeownership — Without Traditional Income Documents
At JZ Mortgage, we know that not every homebuyer fits inside a traditional lending box. Whether you’re self-employed, between jobs, a cash-flow earner, or simply someone with non-traditional income, you still deserve access to competitive mortgage options — without unnecessary roadblocks. Our No Income / No Employment Primary Residence Loan Program offers a simplified, modern approach for qualifying without tax returns, W-2s, or pay stubs, giving more Floridians and nationwide borrowers a real path to homeownership.
Why Choose a No-Income / No-Employment Loan?
This program is ideal for borrowers who have good credit and assets but cannot document income for traditional loan programs. Unlike standard mortgages, there is no employment required, no income documents, and no DTI ratio (debt-to-income) calculation. Approval is based on your overall financial profile — not your verifiable income. This is one of today’s most flexible non-QM solutions for primary residence and second home buyers. If you are in between jobs, relocating, recently started a business, or for any reason you do not qualify for traditional income requirements, this program may be a great fit so you can buy a new home.
Program Highlights
- No DTI Calculation Required — No tax returns, W-2s, or employment documentation needed.
- Loan Amounts Up to $2.5 Million — Great for primary residences, second homes, and luxury properties.
- Credit Scores as Low as 620 — Flexible credit options for strong borrowers with non-traditional documentation.
- Up to 80% LTV with a 720 FICO — Lower down payment options for well-qualified buyers.
- First-Time Homebuyers Welcome — Prior mortgage history not required.
- Primary Residence or Second Homes Allowed
- Flexible Reserve Requirements — Usually 9-12 months required
- Property Types Up to 20 Acres — More property flexibility than conventional lending guidelines.
- Seller Concessions — up to 6% allowed
- Gift Funds allowed — 100 percent gift funds can be used for down payment and closing costs (Does not include reserves)
Borrowers Who Commonly Benefit from this program
- Relocating Homebuyers: during transition or lack of employment
- Cash-Based Earners: barbers, stylists, service and hospitality workers, tips-based earners, small retail employees
- Self-Employed / 1099 Workers: entrepreneurs, consultants, freelancers, gig workers, independent contractors
- Homeowners With Significant Equity
- Retirees or Early Retirees living off savings or investments
- Seasonal or Gig-Economy Workers
- Recent Immigrants building new U.S. financial profiles
- Dispensary Owners / Employees (often declined by traditional banks)
- Borrowers With Recent Life Events: job loss, health issues, family restructuring, or temporary employment gaps
You may be an excellent fit if:
- You earn non-traditional or hard-to-document income
- You are relocating and unemployed or in between jobs
- You prefer not to use tax returns to qualify
- You are self-employed and write off many expenses
- You recently changed industries
- You have strong assets but no active W-2 job
- You want fast, flexible approval without bank red tape
If this describes you, JZ Mortgage can guide you through your best loan options with zero pressure and zero obligation.
