These programs are primarily designed for the self-employed borrower, but can be used by the salaried buyer.

No-Income verification is just that, no verification of income required. Loan is underwritten according to income stated on loan application.
Approval is based upon liquid assets. Two months total payments for the propety being financed typically needs to be on deposit in buyer's account at closing.

No-Ratio is same as No-Income except no debts are disclosed to underwriter. Again, loan is underwritten on strength of buyer's liquid assets.

Minimum downpayment is 5% and varies depending on loan program.

Fixed and Adjustable rates available.