Luckily, online lenders are the most obvious selections if you want to apply for a mortgage and not using a job. Somewhat than a percentage, lenders usually quote factor charges as a decimal, usually between 1.1 and 1.5. Some lenders additionally quote factor rates as cents on the dollar” — normally between 10 and 50 cents on the dollar. Making use of for a digibank Private Mortgage is totally paperless.