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• About Us  • View Testimonials  • Construction Programs  • Construction rates  • Comparing Options  - Loan offers from different    banks  -Construction cost estimates  -Building new or remodeling    VS buying an existing home  -Being my own contractor   VS using a general contractor  - Get Answers  • Educational Resources  - ABC's of Construction    Financing  - Stick-Frame Home    Information  - Log/Timber-Frame Home    Information  - Modular Home    Information  - Lending Dictionary  - Construction Dictionary  • Bank  - Refer a customer for a    construction loan  - Learn more about    construction loans  - Receive consultation on setting    up our own construction    loan program(s)  - Get added to the Construction     Advisors network of lenders  - Get Answers  • Contact US   No Ratio Loans This resources provides basic information about No Ratio Loans, including: What Is a No Ration Loan? How Does a No Ratio Loan Work? Do No Ratio Loans Have Higher Rates? What Is a No Ration Loan? No Ratio loans are for borrowers who do not wish to disclose their income and no income is listed on the application, therefore there is no debt-to-income ratio for the lender to consider. The No Ratio borrower has good credit and abundant assets that make up for the lender not considering the borrower's income information. This loan can offer a quick and easy process to borrowers for whom gathering documentation could be a logistical nightmare. How Does a No Ratio Loan Work? No income is stated or verified. Do No Ratio Loans Have Higher Rates? As long as you meet the lenders minimum requirements for credit score, down payment and other factors, you should not see much higher rate or fees for no ratio loan programs but they will be slightly higher. Experience the Construction Advisors difference today —Contact Us to get started!

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