Designed for eligible owner-occupied primary residence financing scenarios.

No traditional debt-to-income ratio calculation required for qualified borrowers.

Can support borrowers who may not fit standard income-based lending guidelines.

May be used for eligible purchase or refinance scenarios depending on borrower and property qualification.

A flexible option for borrowers with strong credit, assets, reserves, or other compensating factors.

Provides an alternative path when traditional income documentation does not tell the full borrower story.

Helps simplify qualification by removing the traditional DTI calculation from eligible scenarios.

A strong option for borrowers with solid financial strength but nontraditional income situations.

Can help primary residence buyers move forward when standard documentation creates unnecessary obstacles.

Gives realtors another solution for owner-occupied clients who need flexible financing guidance.

Supports a more complete borrower conversation around assets, credit strength, and compensating factors.

May create a cleaner path for borrowers whose income profile does not fit neatly into standard guidelines.

Owner-occupied borrowers purchasing a primary residence.

Homeowners refinancing a primary residence who need a no-ratio lending option.

Borrowers with strong credit, assets, or reserves who need flexibility outside standard income qualification.

Self-employed borrowers or clients with complex income documentation.

Borrowers whose income profile does not fit cleanly into conventional lending guidelines.

Realtors working with primary residence buyers who need a flexible financing solution.