Our specialty is No Doc Home Loans and helping qualified borrowers obtain financing through true No Doc mortgage programs. These loans are for borrowers who have decent credit, sufficient assets, and the required reserves.
What Does “True No Doc” Really Mean?
A true No Doc mortgage means exactly that. Unlike bank statement loans, asset depletion loans, or other non-QM documentation programs, no income documentation is required. There is no need for these income docs listed below.
- W-2s
- Tax returns
- Pay stubs
- Profit and loss statements
- Bank statements to document income
- Employment verification
Financing for a Wide Variety of Properties
Our True No Doc program offers many different types of real estate, including:
- Primary residences
- Second homes
- Investment properties
- Single-family homes
- 2-4 family properties
- Condominiums
- Co-ops
Loan Features
- Loan amounts up to $3,500,000
- Interest-only payment options available
- Up to 75% loan-to-value for cash-out refinances
- 80% for Purchase transactions
- Minimum 620 FICO score
- No minimum tradeline requirement when all three major credit bureaus provide a FICO score
Who May Benefit From a No Doc Mortgage?
This financing solution can be attractive for borrowers such as:
- Self-employed business owners
- Real estate investors
- High-net-worth individuals
- Retirees with substantial assets
- Borrowers with complex financial situations
- Individuals who value financial privacy
- Unemployed borrowers
If you’re looking for a mortgage that doesn’t require income documentation or employment verification, contact our team office.
