At California Lending Group, we believe that your ability to repay a mortgage shouldn’t be limited by traditional income documentation. Our No Ratio mortgage programs are designed for borrowers who need flexibility, including self-employed professionals, real estate investors, and retirees with substantial assets.
We believe you shouldn’t be penalized for having non-traditional income.
A No Ratio mortgage allows you to qualify for a home loan without disclosing your debt-to-income (DTI) ratio. Instead of verifying income, lenders evaluate other financial factors such as credit score, down payment, and asset reserves.
This program is ideal for:
Self-employed borrowers with fluctuating or hard-to-document income
Retirees with strong assets but limited income
Real estate investors with high net worth but complex finances
Business owners reinvesting income into growth
We believe your assets, equity, and credit should open doors—not close them.
Every lender is different, but typical No Ratio loan guidelines include:
Minimum credit score of 680 or higher
20% to 30% down payment
Strong asset reserves (typically 6-12 months of housing expenses)
Purchase or refinance of non-owner or owner-occupied property
CLG helps guide you through the process with customized options based on your goals.
We specialize in mortgage solutions that traditional banks don’t offer. Our team works one-on-one with borrowers across Southern California, including San Diego and Orange County, to structure deals that fit your financial situation—not the other way around.
We believe in providing mortgage solutions that banks won’t.
Lenders want to see that you have enough savings or liquid assets to cover monthly expenses for 6–12 months.
We’ll help you understand your options, calculate your budget, and connect you with the right loan program.
Schedule a free consultation with our team and let’s make things happen!
Schedule a free consultation with our team and let’s make things happen!
