The conditions are pretty straightforward. Usually, the lender requires you to provide collateral, which serves as a security in case you're unable to repay the loan. It's like a backup plan for them, ensuring they have something to cash in on if things don't go as planned and you default on the loan. Your documents or use of escrow means nothing if you don't have collateral of equal or greater value to secure the deal.

The only way to get a no-collateral loan is if you have a notable history and reputation in the community. Given your current "condition" as a newbie, this is not possible.