Non-QM
NINA (No Income No Assets)
Unlock your real estate investment potential with CMRE's NINA (No Income No Assets) loan program. Designed for borrowers with unique financial situations, this program offers flexibility and access to funding, with rates starting at 7.5%. Get the financing you need without the traditional income verification hurdles.
Program Benefits
Streamlined approval process focusing on asset strength rather than income documentation.
Ideal for self-employed individuals, entrepreneurs, and investors with complex income structures.
Access loan amounts tailored to your investment goals, facilitating quick acquisition of properties.
Competitive rates starting at 7.5%, providing cost-effective financing options.
Flexible loan terms to suit your investment strategy and cash flow projections.
Opportunity to expand your real estate portfolio without extensive income verification.
Program Highlights
Max LTV
80%
Min Credit Score
660
Max DTI
55%
Loan Amount Range
$100K - $3M
Amortization Options
Eligible Properties
- Single Family
- Condo
- Townhouse
- Multi-Family (1-4 Units)
Program Requirements
Income Documentation
- •No income documentation required.
- •Focus is placed on asset verification and overall financial stability.
- •Borrowers must demonstrate ability to repay the loan based on asset strength.
Asset Verification
- •Sufficient liquid assets to cover down payment, closing costs, and reserves.
- •Verification of assets through bank statements and other financial documents.
- •Assets should demonstrate the borrower's financial capacity and stability.
- •Acceptable asset types may include savings, investments, and other liquid holdings.
Insurance & Title
- •Hazard insurance required to protect the property against damage.
- •Flood insurance may be required depending on the property's location.
- •Proof of insurance must be provided prior to closing.
Property Requirements
- •Minimum FICO score of 660 required.
- •Review of credit history to assess overall creditworthiness.
- •Favorable credit history demonstrates responsible financial management.
- •Recent bankruptcies or foreclosures may impact eligibility.
Application Process
Six simple steps from application to funding
Application
Complete our streamlined online application form with your financial information
Document Review
Submit required documentation for verification and processing
Pre-Approval
Receive conditional approval and loan terms based on your profile
Title & Escrow
Open escrow and complete title search and insurance requirements
Appraisal & Final Review
Property appraisal completed and final underwriting approval received
Funding
Sign final documents and receive your loan funds
Application
Complete our streamlined online application form with your financial information
Document Review
Submit required documentation for verification and processing
Pre-Approval
Receive conditional approval and loan terms based on your profile
Title & Escrow
Open escrow and complete title search and insurance requirements
Appraisal & Final Review
Property appraisal completed and final underwriting approval received
Funding
Sign final documents and receive your loan funds
Why Choose Custom Mortgage?
Your trusted partner in real estate financing
Extensive Experience
Over 25 years of proven expertise in mortgage lending and real estate financing
Comprehensive Loan Options
Wide range of programs from conventional to specialized non-QM and hard money solutions
Nationwide Coverage
Licensed in multiple states with the ability to fund loans across the country
Flexible Solutions
Customized financing options for unique situations that traditional lenders decline
Competitive Rates
Access to wholesale pricing and volume discounts passed directly to our clients
No Upfront Fees
Transparent pricing with no application fees or upfront costs to get started
Frequently Asked Questions
A NINA loan is a type of mortgage that does not require borrowers to provide documentation of their income or assets. Lenders focus on other factors, like credit score and loan-to-value ratio.
The main benefit is simplified documentation. This is ideal for self-employed individuals or those with complex income situations.
Interest rates vary based on market conditions and borrower qualifications. CMRE's NINA loan program starts at 7.5%.
A minimum FICO score of 660 is generally required to qualify for CMRE's NINA loan program.
Sam K.
Senior Loan Strategist
With over 15 years in the mortgage industry, Sam specializes in complex jumbo and non-qm financing solutions, helping clients navigate unique financial landscapes.
NMLS #12345 | Certified Mortgage Advisor (CMA)
TESTIMONIALS
Success stories from families and investors across the nation who achieved their goals with CMRE.
"I've been working with Custom Mortgage and Real Estate for over five years now, and they've totally helped me get through a bunch of tricky transactions. Their team is super helpful all the way through, making sure everything goes off without a hitch. I seriously recommend Custom Mortgage to anyone who needs financing or a solid real estate broker."
RENE M
"I just worked with Custom Mortgage and Real Estate, and seriously, I can't recommend them enough. They have helped my family and me with a bunch of transactions, always receiving results that nobody else could. Their team is super responsive and really experienced, which made everything go through smoothly with no stress at all."
ARTHUR G
"As an investor in real estate and an agent, I totally count on Custom Mortgage and Real Estate for my deals since they've got loads of experience. They have these unique programs that I just can't find anywhere else, and it really gives me an advantage. After researching a number of companies, the offers from Custom Mortgage were the best out there."
