Prospect Lending
Prospect Lending
  • Home
  • LOAN PROGRAMS
    • Self-Employed No Tax Docs
    • No Income/Employment Docs
    • 3.5% Down Payment Grant
    • Medical Professional Loan
    • DSCR For Rental Property
    • "HELOC" Home Equity Line
    • All Loan Programs
  • Zero fees
  • Contact
  • Careers
  • Apply Now
  • More
    • Home
    • LOAN PROGRAMS
      • Self-Employed No Tax Docs
      • No Income/Employment Docs
      • 3.5% Down Payment Grant
      • Medical Professional Loan
      • DSCR For Rental Property
      • "HELOC" Home Equity Line
      • All Loan Programs
    • Zero fees
    • Contact
    • Careers
    • Apply Now
  • Home
  • LOAN PROGRAMS
    • Self-Employed No Tax Docs
    • No Income/Employment Docs
    • 3.5% Down Payment Grant
    • Medical Professional Loan
    • DSCR For Rental Property
    • "HELOC" Home Equity Line
    • All Loan Programs
  • Zero fees
  • Contact
  • Careers
  • Apply Now

Featured Loan Product

Get Started >

No Income Or Employment Docs

A return to common-sense underwriting. This program was designed to fill the void and address the issues limiting prime, credit worthy borrowers’ access to credit through common sense underwriting. This exclusive mortgage product is unique in the marketplace. 


Highlights


  • Income documentation not required
  • Employment not required
  • Credit underwritten based on LTV, FICO, and liquidity
  • Primary residence and second home properties
  • Loan amounts up to $3 million
  • 20% minimum down payment
  • 640 minimum FICO score


Ideal For


  • Self-employed/small business owner
  • Volatile or irregular income
  • Retired individual
  • Seasonal & gig workers
  • Real estate investors
  • Owners & employees of cash businesses
  • Newly self-employed
  • Transitioning from recent health, family,
    or other life events
  • Looking to tap trapped home equity
  • Recent immigration
  • Disqualified income 

How To Apply

Apply now simply by clicking below, or call us at (877) 665-5515

Click Here to Apply
  • Zero fees
  • Contact
  • Careers
  • Apply Now
  • Refinance Calculator
  • Privacy Policy
  • Terms of Service
  • Disclaimers

Prospect Lending, Inc.

11140 Los Alamitos Blvd #201, Los Alamitos, CA 90720

877-665-5515

Copyright © 2024 Prospect Lending, Inc. All Rights Reserved.


Prospect Lending | NMLS ID: 2616050 | Licensed by the California Department of Real Estate (DRE), DRE Lic number 02243237.
Equal Housing Lender. We do not discriminate on the basis of race, color, religion, national origin, sex, marital status, age, or public assistance income.
Rates and terms are subject to change without notice. This website is for informational purposes only and does not constitute a loan offer or financial advice.
Loan approval is subject to underwriting guidelines and credit qualification.
Use of this site or its tools does not guarantee loan eligibility.
Personal data is handled in accordance with our Privacy Policy.
Verify our license at nmlsconsumeraccess.org. 

This website uses cookies.

We use cookies to analyze website traffic and optimize your website experience. By accepting our use of cookies, your data will be aggregated with all other user data.

Accept