No Ratio Loan?

The No Ratio Loan program by NEXA Mortgage is a specialized lending solution designed for clients who don’t meet the conventional requirements of traditional loans. The No Ratio Loan program focuses less on traditional income-to-debt calculations, making it an ideal option for borrowers with unique financial profiles who want a clear path to homeownership or investment.

This program is particularly suited for self-employed individuals, real estate investors, foreign nationals, and those with complex income streams. With No Ratio, you can achieve your property goals with flexible, tailored options that work with your unique financial situation.

Benefits of the No Ratio Loan by NEXA Mortgage

The No Ratio Loan program offers significant advantages, including:

  • No Income or Debt Ratio Requirements
    With this program, you won’t need to provide traditional debt-to-income (DTI) ratios. This makes it easier for self-employed borrowers and investors to qualify without conforming to strict income documentation standards.

  • Alternative Income Documentation Options
    Rather than requiring tax returns or W-2s, the No Ratio Loan accepts other forms of income verification, such as bank statements or asset statements, making it ideal for freelancers, entrepreneurs, and investors with fluctuating income.

  • Competitive Interest Rates
    NEXA Mortgage is committed to providing competitive rates, giving you access to the financing you need while keeping your loan costs manageable.

  • Diverse Property Types
    The No Ratio Loan program is available for various property types, including primary residences, investment properties, vacation homes, and multi-family properties.

Who Can Benefit from a No Ratio Loan?

The No Ratio Loan is designed to help borrowers with specific financial needs, including:

  • Self-Employed or Commission-Based Earners
    If your income varies or you don’t have standard income documentation, the No Ratio Loan provides the flexibility you need to qualify.

  • Real Estate Investors
    Investors can benefit from the simplified income requirements and the option to expand their portfolios without the restrictions of traditional financing.

  • Foreign Nationals
    For non-U.S. citizens looking to invest in U.S. real estate, the No Ratio Loan offers a straightforward path to financing without the need for standard income verification.

  • Credit-Challenged Borrowers
    If you have a lower credit score, the No Ratio Loan may provide a more flexible qualification path, considering additional factors that go beyond credit history alone.

Why Choose NEXA Mortgage?

At NEXA Mortgage, we’re dedicated to making mortgage financing accessible to every type of borrower. With access to over 150 lenders and a wide range of loan products, NEXA Mortgage provides options, personalized guidance, and a client-focused experience.

We specialize in working with non-traditional borrowers, ensuring that every client can find a loan program that fits their needs and goals.

Get Pre-approved for a No Ratio Mortgage Loan Today!

3100 W Ray Road #201 Office #209 Chandler, AZ 85226:

3100 W Ray Road #201 Office #209

Chandler, AZ 85226

NEXA Mortgage

Company State License#

NMLS #1660690

https://calldunn.com/

Contact Us

Mitchell Dunn

Mortgage Loan Originator

NMLS # 1378534

Located In: Kentucky

Phone:

(270) 770-5665

PROUD SUPPORTER OF

This is not an offer to enter into an agreement. Not all customers will qualify. Information, rates and programs are subject to change without notice. All products are subject to credit and property approval. Other restrictions and limitations may apply.

Mitchell Services all of Kentucky

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