No-Income Home Loans—Buy or Refinance Owner Occupied Properties Without Proof of Income!

Can You Really Get a Mortgage Without Proving Income? YES!

If you’re self-employed, a business owner, a retiree, or simply don’t have traditional income documentation, you’ve probably hit roadblocks when trying to secure a home loan. Traditional lenders demand W-2s, tax returns, and pay stubs—but what if you don’t have those?

That’s where No-Income Verification Home Loans come in. This loan program allows you to purchase or refinance your primary residence WITHOUT proving income.

📺 Watch My Video to Learn More:

How Does It Work?

These loans are offered through Community Development Financial Institutions (CDFIs), which are exempt from the Ability-to-Repay (ATR) rule. This means they can approve borrowers based on credit, assets, and home equity rather than traditional income verification.

✅ No W-2s✅ No Tax Returns✅ No Employment Verification

You Can Use This Loan For:

🔹 Buying a Home – Purchase your primary residence hassle-free🔹 Rate & Term Refinance – Lower your mortgage payment with no income verification🔹 Cash-Out Refinance – Tap into your home equity without proving income

SPECIAL .625% RATE DISCOUNT FOR QUALIFIED BORROWERS!

If you belong to any of the following CDFI-designated categories, you could qualify for a .625% interest rate reduction on your mortgage:

✔️ Hispanic borrowers✔️ African American borrowers✔️ Low-income individuals✔️ Residents of low-income housing✔️ Disabled individuals (per ADA guidelines)

This is an incredible opportunity to secure lower rates on a no-income home loan while benefiting from flexible approval guidelines.

Ready to See If You Qualify?

📲 Call or Text me at 417-686-2700📅 Book a Free Consultation: calendly.com/monarchlender

🚀 Don’t miss out on this unique mortgage opportunity—get started today! 🚀