No Source of Funds – 80% Cash-Out

Looking to access equity without the paperwork hassle? Our No Source of Funds, 80% Cash-Out Mortgage Program is designed for borrowers who want maximum flexibility with minimal documentation.

This unique loan option allows you to cash out up to 80% of your property’s value — with no need to document where the funds are coming from.

Program Highlights for
No Source of Funds – 80% Cash-Out

✅ Up to 80% Loan-to-Value (LTV) on Cash-Out Refinance

✅ No Source of Funds Verification Required

✅ No Tax Returns, W-2s, or Pay Stubs Needed

✅ Great for Self-Employed, Investors, or Foreign Nationals

✅ Fast Funding with Minimal Paperwork

✅ Use Funds for Any Purpose – reinvest, pay off debt, expand your business, or more

What is a “No Source of Funds – 80% Cash-Out Refinance”?

A No Source of Funds – 80% Cash-Out Refinance is a non-traditional mortgage program that allows property owners to refinance and pull out up to 80% of their property’s value in cash, without having to verify where the cash is coming from (i.e., no source of funds documentation required).

This program is ideal for real estate investors, self-employed borrowers, and foreign nationals who:

  • Have substantial equity in a property

  • Want quick access to cash

  • Don’t want to—or can’t—provide traditional income or asset documentation

100% Gift Funds Allowed – Owner-Occupied with Eligible Co-Borrower (OWEC)

Buying a home with help from family? This program allows 100% of the down payment and closing costs to come from a gift—no personal funds needed from the borrower.

Program Highlights for
100% Gift Funds Allowed

✅ 100% gift funds accepted for down payment & closing

✅ For primary residence purchases only

✅ Co-borrower can be a family member or domestic partner

✅ No requirement for borrower to show personal savings

✅ Perfect for first-time buyers or recent grads getting family support

Who Can Benefit?

  • Real estate investors seeking liquidity

  • Self-employed borrowers with non-traditional income

  • Clients with large deposits or assets but no paper trail

  • Foreign nationals needing cash-out access without extensive U.S. documentation


Why Choose This Program?

  • No need to explain or document the source of your cash-out
  • Flexible underwriting guidelines
  • Quick closings—ideal for time-sensitive needs
  • Unlock equity without the tax return burden

What You’ll Need to Qualify

  • Credit score: 620+ (higher scores preferred for best rates)
  • Recent appraisal to verify property value
  • Minimum seasoning period (varies by lender)
  • Title in personal name or LLC (depending on structure)
  • Sufficient equity to meet LTV guidelines
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