No-Income-Documentation Mortgages
Vibrato specializes in helping Arizona individuals obtain mortgages who have non-traditional income generation and are unable to provide standard proof-of-income documentation.
We understand that many individuals generate income differently — we help those.
Our lending partners do not require proof of employment or income when qualifying you for a mortgage loan - we're unique in that way.
Ideal for situations like — "cash" businesses/jobs, irregular income, newly self-employed, real estate investor, retired, etc.
Not every borrower generates income the "traditional" way. For these individuals, our no-income-documentation mortgages can help.
Purchasing or Refinancing — We Got You Covered
Home Purchase
Up to 80% LTV (based on FICO)
- FICO scores above 660
- No income/employment information needed
- No tax returns required
- Primary and second homes allowed
- Single Family, Condo, Townhouses and 2-4 Units allowed
- Up to $2,000,000 loan amounts
- Seller concessions allowed
- Reserves required
- Borrower can have up to 20 financed properties
- No prepayment penalties (primary residence)
- Interest-only payment options available
Refinance or Cash-Out
Up to 75-80% LTV (based on FICO)
- FICO scores above 660
- No borrower income verification needed
- No tax returns required
- Primary and second homes allowed
- 75% LTV max with cash-out
- Single Family, Condo, Townhouses and 2-4 Units allowed
- Up to $2,000,000 loan amounts
- Borrower can have up to 20 financed properties
- Cash-out can be used towards reserve requirements
- No prepayment penalties (primary residence)
A Streamlined, Modern Mortgage Process
1. Tell us a bit about the loan you're looking for and your business — no credit check.
We'll ask you some simple questions about the home you're purchasing or refinancing to get started (no credit check or SSN is collected).
2. We'll then discuss self employed mortgage loan options tailored just for you.
Based on the information submitted, we'll go over different mortgage types you may qualify for (interest rates, fees, terms, etc).
3. If you're ready to move forward, we'll complete your application and get started!
We'll get the last few pieces needed to complete your application (credit report and FICO score) and then get everything in motion to get your loan done!
Our Team Gets It
Vibrato was created by entrepreneurs just like yourself — we speak your language. You're at home with our team.
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Lender Labs LLC dba Vibrato, NMLS: #2420007 Arizona License: MB-1042016