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No-Ratio / No-Income Loan Lender in Florida

A Quick Snapshot of Your No-Ratio / No-Income Loan Options

No Income Documentation Required

Qualify without providing tax returns, pay stubs, or W-2s—ideal for self-employed borrowers or those with complex financials.

No Debt-to-Income Ratio Calculations

Approval is based on creditworthiness, assets, and down payment strength rather than traditional DTI ratios.

Flexible Property Types

Finance primary residences, second homes, or investment properties with simplified qualification standards.

Fast, Hassle-Free Closings

Streamlined underwriting allows for faster approvals and closings, helping you move quickly on new opportunities.

Why Choose a No-Ratio / No-Income Loan in Florida

No-Ratio and No-Income loans are designed for borrowers who don’t fit into traditional lending guidelines—such as self-employed individuals, real estate investors, or those with variable income streams. Instead of using tax returns or income statements, lenders focus on credit, assets, and overall financial stability.

These loans provide a flexible alternative for qualified borrowers who maintain strong credit but prefer privacy or simplicity in the mortgage process. Whether you’re purchasing or refinancing, a No-Ratio loan offers a clear path to homeownership without the burden of full income verification.

At Select Home Loans, we make the process transparent and efficient—helping Florida borrowers secure financing on their own terms.

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Where are You Now?

Apply Now!

I’m ready now! I’ve found a home

Apply For a Loan

I’m looking for a home

Get Pre-Approved!

I’m just researching

Something Else

Why choose Select Home Loans?

  • Trusted mortgage experts across Florida.

  • Specialized in self-employed and alternative income home loans.

  • Quick pre-approvals and competitive low rates.

  • Decades of combined mortgage experience.

  • Dedicated loan officers guiding you every step of the way.

  • Streamlined, secure, and easy online application process.

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Transforming Your Financial Goals Into Reality

15

Average to Close

3500

People found their dream home with Select Home Loans

40

More savings than you would get with some of our competitors

Secure Your No-Ratio / No-Income Loan Today

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Hear What Our Clients Have To Say!

“While visiting my wife's parents who have lived in Florida for a number of years, my wife and I decided to look for a new home. After looking at several homes for sale, my wife and I found the home we wanted. We mentioned to our real estate agent that we would need to obtain a mortgage as it would probably be a year until we were ready to sell our home in New Jersey and he recommended that we contact Select Home Loans. That was the best advice we received. Although we were some 1,300 miles away, our David Shefsky at Select Home Loans walked us through each step requesting the necessary documentation he needed. Two months later, we had our mortgage. One year after that, we became permanent Florida residents and Select Home Loans helped us achieve our goal. Thank you”

Re S.Boca Raton, FL

“I just wanted to send a note to thank you for all of your support and guidance throughout the mortgage process while purchasing our home. It could have been a nerve-racking experience and you very calmly guided me along the way and certainly made the experience much better than it easily could have been. Once again, thank you. It was a pleasure doing business with you and Select Home Loans.”

Isabel B & Gerald BWest Palm Beach, FL

“Thank you Scott, for your superb assistance with Barry & Sally! Really appreciate working with people that take their profession to that next level like you!”

Miriam L.Orlando, FL

“When I found a house I wanted to purchase, was new to the area and just picked a mortgage company out of a hat. Fortunately, this was Select Home Loans and my experience working with my Mortgage Banker was excellent. He was professional, knowledgeable, and efficient, as was his office staff. Although I had the financial resources to pay for the house, my financial situation was unusual, and he was up to the challenge of working out a loan for me with a good interest rate. From start to finish, the process went smoothly and without any surprises. Any potential hitches were dealt with quickly and effectively; his manner was always pleasant and he made himself very available. No long waits for him to call back. I highly recommend Select Home Loans.”

Judy M.Boca Raton, FL