Our Alternative Document financing options have been temporarily suspended. We hope to have these programs available again in the near future. Thank you!

Investor – California No Income Verification Loan

Replaces the Stated Income Loan

If you believed your only option was a Hard (Private) Money loan, you may be surprised to learn that there are other more affordable options available to you.

California No Income Verification

The California No Income Verification Loan from Pacific Home Loans offers the ease of underwriting of a Hard (Private) Money loan but without the high rates, points, and short terms. Rather than traditional underwriting, this loan offers the same underwriting guidelines as a Hard Money loan: qualification is determined by the borrower’s credit, the value of the subject property, and the borrower’s reserves.

Hard Money loans are usually limited to a one-year term with the possibility of a 6-month extension. You now have another option with Pacific Home Loans’s Investor – California No Income Verification Loan.

Features of the No Income Verification loan include:

Available terms:

3/1, 5/1, and 7/1 ARM
15- and 30-year Fixed
Interest Only Loans available for all ARMs and 30-year Fixed

Loan amounts from $250,000 to $3,000,000
Minimum FICO score 620

This program is available to investors only—not for Primary or Second Homes.

If you think your financial situation makes sense for qualifying for a loan, we have Common Sense Underwriting. Contact Pacific Home Loans – Email us today or call Toll Free 866-389-2778 or Local (949) 494-4861.

Or if you’re ready to get started, click here to begin your loan application right away.