Unlock Lending Freedom with the Prime No Doc Program

In today’s fast-paced real estate market, flexibility and speed are everything—especially for borrowers who don't fit traditional income documentation standards. Enter the Prime No Doc program, a powerful loan solution tailored for self-employed professionals, investors, and foreign nationals who have strong assets but no verifiable income.

The Prime No Doc program eliminates the need for job or income documentation and skips the DTI (Debt-to-Income) calculation altogether. Instead, it relies on a Debt-to-Asset (DTA) ratio capped at 60%. This makes the Prime No Doc option ideal for high-net-worth borrowers who may not show traditional income on paper but have the assets to support repayment.

With Prime No Doc, borrowers can finance 1–4 unit properties, condos, and second homes. For U.S. citizens and permanent residents, the maximum LTV goes up to 70% for purchase and rate-term refinance, and up to 65% for cash-out. Even foreign nationals can qualify—Prime No Doc allows up to 60% LTV for purchases and 55% for cash-out, specifically on second homes.

This program isn’t just about flexibility—it’s also about acCESsibility. The Prime No Doc loan is available in over 30 states, including California, Texas, Florida, New York, and more. Minimum credit scores start at 700, and qualified borrowers can access loan amounts up to $3 million. Gift funds are allowed, and assets may be held in U.S. or international financial institutions, provided they meet seasoning and validation requirements.

Rates for the Prime No Doc program remain competitive, with 30-year fixed options starting at 6.75%, depending on credit and LTV tiers. Loan-level pricing adjustments apply for higher-risk property types, such as non-warrantable condos or higher loan amounts, but transparency in the pricing matrix ensures clear expectations.

For brokers and borrowers alike, the Prime No Doc program offers a streamlined approval process, minimal documentation, and a strong solution for borrowers with real wealth but non-traditional profiles. Whether you're a foreign national purchasing a second home, or a self-employed entrepreneur investing in real estate, the Prime No Doc program could be the key to unlocking your financing goals.

Ready to explore the Prime No Doc advantage? Contact our team today to learn how this innovative loan solution can meet your needs.