No Income Verification Mortgage

We Have Mortgage Options Others Don't...

NO Income Required - Home Loans

Allied First Bank is proud to offer our customers a mortgage where income DOES NOT need to be verified. What makes this product even more unique is that you can purchase a primary or secondary home using this loan. Most products that offer a no income solution only allow for investment properties.

This is the only program we have available under these guidelines for a primary residence or second home, and you also have options when choosing the mortgage term. You can either choose an adjustable-rate mortgage (for a lower rate) or we also have a 30-year fixed product available as well.


  • No Income documentation required
  • Since No Income is required there are no Debt to Income limits
  • Income does not need to be stated
  • Credit underwritten based on LTV, FICO, and liquidity (cash/401k/IRA/Stocks etc.)
  • Primary residence and second homes
  • Loan amounts up to $3 million
  • Loan to Value up to 80% for a purchase and rate-and-term refinance
  • LTV up to 70% cash-out
  • FICO beginning at 640

This program is ideal for:

  • Self-Employed/Small Business Owner
  • Recently Divorced
  • Volatile or Irregular Income
  • Retired
  • Seasonal & Gig Workers
  • Real Estate Investors
  • Owners & Employees of Cash Businesses
  • Newly Self-Employed
  • Transitioning from Recent Health, Family, or Other Life Events
  • Recent Immigration
  • Disqualified Income

Give us a call today at 800-697-4371 to see if this program is a good fit for your situation.

Find out if you pre-qualify... TODAY!

Let's Get Started!

Request a Consultation with an Allied First Bank Loan Specialist

Allied First Bank of The Carolinas

  • Michael Parker
  • (800) 697-4371
  • MPO NMLS#: 457569
  • AFB NMLS#: 203463
  • 3804 Peachtree Ave.
  • Suite 200
  • Wilmington, NC 28403

The VA Home Loan program offers incredible benefits.

You may qualify for some or all of these benefits below if you do serve or have served in the armed forces. Find out if you qualify!

Get Started!

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(800) 697-4371

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