No Ratio / No Job
What it is
DTI is not used. Approval is based on credit, assets, equity, and property.
No Ratio / No Job
Who it’s for
Asset‑rich clients with complex income; primary and second homes.
No Ratio / No Job
Documents needed
Appraisal, asset statements for down payment/reserves, ID, standard disclosures.
Use cases
Recently retired
variable income
large asset balances
Need Help?
FAQs
Why no DTI
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Rate comparison
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Reserve rules
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Prepay terms
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WHY GMCC
Experienced portfolio underwriting
Straightforward doc list
Clear expectations on equity and reserves
LO Advantage
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Win high net worth deals that don’t fit agency
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Reduce income doc chase
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Simple positioning for referral partners.
