If you’re self-employed, a freelancer, investor, recently unemployed, or just someone with unconventional income, you’re not alone. Thousands of successful borrowers don’t meet the strict documentation requirements of conventional lenders. That’s why we specialize in No Documentation Mortgage Loans (also known as No Doc or No Income Verification Loans), helping you access the financing you need without the paperwork you don’t have.
No Doc Mortgages
Conventional mortgages typically require W-2s, tax returns, pay stubs, and a consistent employment history. But what if your income comes from crypto, retirement accounts, contract work, or fluctuates month to month? That’s where we come in.
What We Offer:
- No Income Documentation Required
- No tax returns, no pay stubs, no employment verification. We base loan approval on assets, credit, and property value, not income statements.
- Use Your Assets to Qualify
- 50% of Bitcoin balances
- 100% of IRA and 401(k) balances — no age restrictions
- Flexible Loan Options
- Up to 80% Loan-to-Value (LTV) – No Mortgage Insurance (MI)
- Credit scores as low as 640
- Fixed rate, Adjustable Rate Mortgages (ARMs), and Interest-Only options
- Loan amounts up to $5 million
- Investment property loans up to 75% LTV
No Doc Loans Ideal For
- Self-Employed Professionals
- Real Estate Investors
- Retirees Using Assets to Qualify
- Freelancers and Gig Workers
- Cryptocurrency Holders
- Anyone Without Traditional Income Documentation.
Contact us to learn more about our No-Document Mortgage programs.
