No Doc Mortgage: What’s Available Now

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 · Newly Self-Employed? Qualify for a No Doc Mortgage Without 2 Years of Tax returns. july 30, 2014. it can be difficult to finance a new home or refinance an existing mortgage. Fortunately, that’s where no doc (or no document) loans come in, as well as a few other ways around this requirement.. I was self employed and now I am working.

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Stated income loans don’t require income documentation and can be a big help for borrowers with stacks of tax returns. Here’s who can take advantage of the resurrected mortgage program. Even after all the lessons learned after the mortgage crash, there still are home loans that do not require the borrower to show their tax returns.

The no documentation mortgage (No Doc) were among the culprits of the financial collapse in 2008 which led to the great recession. However, mortgage loans are still available which do not require.

‘Lite Doc’ loans No tax returns needed! No IRS Form 4506! Quontic Bank looks beyond the standard loan qualification metrics associated with traditional income and credit verification.. Rather, our ‘Lite Doc’ loan program looks at the borrower’s overall financial and credit profile as well as an eligible third party’s certification of the borrower’s income.

A No-Doc or Low-doc loan (abbr: No/Low Documentation Loan) refers to loans that do not require borrowers to provide documentation of their income to lenders or do not require much documentation. It is a financial product commonly offered by a mortgage lender to consumers who cannot qualify for normal loan products because of fluctuating or hard-to-verify incomes, such as the self-employed, or.

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