Stated Income Home Mortgages and Limited Doc Refinancing. Underwriters analyzing full documentation loans for self-employed and independent contractors will typically request complete tax returns, profit and loss statements for 2 years and 6 months’ worth of personal of bank statements. Because of labor intensive process, most self-employed borrowers like stated income and reduced documentation loans.

Mortgage lenders offer income documentation standards for stated income second mortgages and limited doc home equity credit lines.

Stated and No Doc 2nd Mortgages to 100%; Second Mortgage Outlet offers stated income loans with fixed rates for 2nd mortgages and home refinance loans. Self-employed borrowers enjoy the reduced documentation needed with our home equity loans Quite often, our loans offer debt relief and reduced monthly payments.

We offer many No Tax returns, Limited Doc loan programs. Here is an example of a Hard Money lender that also offers limited doc – full doc funding. Now offering permanent loan programs provide secure long-term financing without the traditional hurdles of large banks.

In its purest form, a no doc mortgage only requires a mortgage application and a signature. No pay stubs, bank statements or tax returns are needed. The original purpose of the loan was to make qualifying easier for applicants whose income and / or assets were difficult to verify in the traditional way.

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A No Doc loan or Low Document loan provides increased ease and privacy when getting a mortgage. In the past, anyone could apply for a no doc loan but now loans like this are for self employed borrowers. No doc loans are also available to those who are self employed and who need a bad credit mortgage.

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No Income Verification Mortgage Texas No-income verification mortgages, also called stated-income mortgages, allow applicants to qualify using non-standard income documentation. While most mortgage lenders ask for your tax returns, no-income verification mortgages instead consider other factors such as available assets, home equity and overall cash flow.

KEYWORDS alt-doc mortgages alternate documentation bank. to these loans because of their limited history,” Fitch said in its report. As Fitch.

Good (or great) credit: again, low-documentation subprime loans are a thing of the past. Lenders are only willing to settle for less information if you’ve got great credit scores (above 720 is a good place to start).

It depends on what you mean by limited doc. With the Qualified Mortgage provisions of Dodd-Frank, there are very few lenders that waive income requirements and nearly all will also need to verify the source of your funds.