As a first-time homebuyer, I never knew how to go about buying a house. I highly recommend RK Mortgage Group and Andres. Home | About Us | Warranties and Terms | Articles. These loans carry high interest and are offered to investors based upon the value of the property. More on DSCR loans for investment property here. Thank you again! The basic requirements for a no-income verification loan include: A credit score of 700 or higher. Very professional. I will continue to recommend this company to everybody I know in search of a mortgage that expects a pain free, professional experience. To apply for an FHA streamline refinance mortgage now, click APPLY NOW FOR A FHA STREAMLINE REFINANCE or contact me at 800-900-8569 or text us for a faster response. How can I get approved for a mortgage without proof of income? qualified applicants borrowing against their primary residence. I was working with Roy and Me'Me. Broker rebate up to 2 points available. If you want to purchase a home with no income, youll need a substantial net worth with enough assets to support repaying the loan. I was googling a mortgage company before purchasing my house and found RK Mortgage Group offering programs for self-employed borrowers. Truly a seamless transaction. I should say, my credit is perfect, my finances were great, and my income is solid. Fixed-rate mortgagesalso called "conventional mortgages"are basically the bread and butter of the mortgage industry. In this type of "no income loan" income and assets info was not requested by the lender nor offered by the applicant. She is very knowledgable about the mortgage industry and the various loan products that are available, She is also very responsive and goes the extra mile for her clients. RK Mortgage and the staff were very supportive of our journey. Communicative, Professional, Friendly and most of all honest. She kept me informed and closed on time. Very knowledgeable and professional! Gone are the days where anyone can qualify for a no credit check home loan, but we have seen several new programs featuring no income verified opportunities for qualified applicants. Nationwide Mortgages. I would recommend Joelle to any of my personal friends, family, and or colleagues!! Stated Income Loans. No Income Verification mortgage program is a perfect fit for investors who don't qualify for traditional financing based on their tax returns. Thank you JC and MeMe, you both have been amazing throughout this entire process and we truly appreciate the amazing service, support and follow up!! He is a well disciplined and well-mannered and is the best representation for any mortgage company. Additionally, youll likely need significant cash savings, assets, and a low debt-to-income ratio. $100K - $5M. Our experience with RK was wonderful from start to finish. $100k - $5M, close in 2-4 weeks! Although you cant get approved for a traditional mortgage without proof of income, there are other loan options when trying to obtain a primary residence. Bank statement loan makes life a million times easier for self employed people. Joelle and team did a great job! RK team got everything taken care of quickly and made this a smooth transaction. She is very professional and asks questions to help you make the best financial decision available. If any one wants to do business with professionalism and respect, I recommend Andres and his team. No Documentation Mortgage - No Doc: A type of reduced-documentation-required mortgage program in which income and assets aren't disclosed on the loan application and employment isn't verified . Thank you RK Mortgage Group and Thank you Joelle! Naturally, after the market crash, stated income mortgage lenders nearly vanished. She was always available either immediately or usually returned calls within an hour. At Mortgage Captain, we work with you to obtain a no income verification mortgages through our network of lenders in Ontario. It is always a pleasure working with her always a positive attitude and very knowledgeable in the field. Getting a mortgage can be stressful because of the complexities involved in the process. A phone . Privacy: No income verification mortgage loans allow borrowers to keep their financial information private. Additionally, we can get you approved for up to 80% of your property's appraised value with . It was a learning experience for us. I am here to make your purchase or refinance process smooth! I highly recommend RK Mortgage Group!! See online home equity approvals as fast as 10 minutes. I surely will use his services again in the future!!!!!!!! autodialing, text and pre-recorded messaging) via telephone, mobile device and/or email, even if your telephone number is currently listed on any state, federal or corporate Do Not Call list. As first time byer I had million questions. 5+ Unit Multifamily & Mixed-Use. For people who are self-employed, you can expect to bring only one year of profit and loss statements. I would highly recommend using RK Mortgage Group for all future loans. Loans available for purchase or refinance of investment or owner-occupied multi-family properties. Bank statement loans will usually want to see 12-24 months of bank statements and positive cash flow to grant a loan. JC was very prompt in answering my questions and obtaining the lowest rate possible for the refinancing of my townhouse. This website has no affiliation with any government entities. Last Name*. Great job RK team! We're forever Thankful for her. No-doc . . He also does conventional loans. Theyre extremely professional and great at what they do. RK Mortgage group you are the best! Contact one of ourloan consultantsto learn more about this program. She goes above and beyond for her clients. Thank you so much Joelle for your service. From the minute I applied for my bank statement only mortgage to the day I closed Joelle and Sheenaqua have gone above and beyond to make this happen. Thank you for getting it done! Highly recommend! I was very apprehensive about working with another company, but Roy was confident he could get this loan to work in my favor. Stated Income Loan (See lenders for guidelines). These loans will have similar mortgage rates . I highly recommend RK Mortgage! My experience went beyond than what we expected. Highly recommend this company!! Thank you J.C. Rivera and RK Mortgage Group! I would definitely recommend this mortgage company. In the past, I had to deal with different companies that takes four to six months, after a lot of papers, to tell me no, for whatever reason, after ask me to send again and again my information, that is the same again and again. Overall my experience was painless and i never felt alone, pressured or cheated. No-income verification mortgages, otherwise called stated-income mortgages, use non-standard means of income documentation. Juan Carlo Rivera, was quick, professional and courteous. I was shopping for mortgages for a while until I found RK. If you want to purchase a home without a job, youll likely need sufficient assets or another source of income to support the loan amount. For example, you might show bank statements or investment account balances to prove to the lender that you can afford the mortgage payments. If possible, aim to get your credit score above the 700 mark. Lucrece was very helpful and gave us hope about the refinance. It was nothing about trying to get money but just helping a family in needs of a place to call home. No tax returns, no paystubs, no bank statements, no 4506 required. Roy not only got the load approved, but I close on my house only 2 weeks after my initial conversation with Roy. He is respectful and a complete gentleman. We really didn't think we would be able to refinance but these guys were able to make it happen. Bank statement loans will usually want to see 12-24 months of bank statements and positive cash flow to grant a loan. Lorie C, Fort Myers, Florida It was a pleasure to work with him and his team. The lender will confirm that you can make the loan payments in one way or another. The lender accepts other items, such as bank statements, as proof you can repay the mortgage. Thank you again Lucrece & MeMe! Without her assistance and hard work none of this would have happened. Ms. Meme excellent, very professional, patience of an angel. Roman Khodos a personable, helpful, knowledgeable and highly professional. We were pleased on how efficiently and promptly everything was handled. Very stress free and would recommend him and RK Mortgage Group to anyone! During this period, borrowers without a steady income and low credit could just state their income and get mortgage approval. Roman and Bella kept us informed every step of the way. They made it happen. I went to Joelle after my other mortgage broker gave me a pre qualification, let me sign a contract and then informed me he couldnt make it happened. . We greatly appreciate the effort and time that RK Mortgage professionals put into our loan process. Are you getting declined from your current lender because you don`t qualify for a Mortgage? The first step is to provide your lender with copies of your records that indicate your income. We were able to apply, submit all our required docs and close in less than six weeks. In this case, you could be a candidate for a no doc or no-income verification mortgage. No-income verification loan rates are substantially higher than currently available mortgage rates, as they pose more risk for lenders. Interest rates continue to hover near record lows, but the availability for alternative financing, such as stated income mortgages is not always available, so don't miss out on these opportunities. I really appreciate everything RK team did for me to finance my mortgage. To qualify for these types of loans, the lender looks at the value of the property after repairs are made and what its potential rent income will be. Start here (Jan 18th, 2023). Extremely positive and always responsive. You won't be asked to submit documents and forms you don't have. No doc loans, short for no documentation loans, are mortgages that require little to no paperwork to qualify. Im not one who provides reviews but for this company Im really happy to do so. They are both knowledgeable, kind, thorough, prompt, responsive, and professional. From first contact to closing, Lucrece and Marcia were amazing. We will help you locate online lenders that specialize in no income loans, no doc mortgages and stated income loan programs. He also got me a great rate on my mortgage! Sarah Sharkey is a personal finance writer covering retirement, investing, debt, savings, credit cards, mortgages, and student loans. No documentation loans come with a few different variations. But instead of looking at your W-2s, pay stubs, or tax returns, the lender lets you provide proof of your financial stability in other ways. Funding from $75k to $5 million. By refinancing an existing loan, the total finance charges incurred may be higher over the life of the loan. If you have enough assets, the lender might be willing to move forward regardless of income. In this case, the lender did not verify any of the income. So appreciate all their dedication and hard work. After several unsuccessful attempts, We found Eric @ RK Mortgage. If you have the necessary funds to repay the mortgage, then there is nothing inherently unsafe about a no-income verification mortgage. 1-4 Families + Condos. It will use these factors to decide if you should get the loan. We now have a significantly lower monthly payment and this is amazing! Tips for Making the Best Garden Improvements for Your Home's Values. I had an issue with my other mortgage company that I had been working with and upon contacting RK Mortgage. Yes, it is possible to get a second mortgage without documenting your income. I would highly recommend RK Mortgage Group and Lucrece and Marcia specifically. Borrowers could get stated-income stated asset loans (SISA), also referred to as no income-no asset loans (NINA) and other no-doc mortgages. Roy/Me'Me made my dreams of becoming a homeowner again possible. Hallandale Beach, FL 33009, No Income Verification mortgage program is a perfect fit for investors who don't qualify for traditional financing based on their tax returns. Can you get a mortgage without a verifiable income? From start to finish she stood by my side and guided me thru every process that it took to get me into my dream home. After receiving an honorable discharge from the U.S. Marine Corps in 2008 Adam began his career in the mortgage business. No Income Verification Mortgages From B-Lenders. They are both very knowledgeable, honest and are true professionals. Low Credit Score FHA Home Buyers Might Qualify in 2023, 100% Financing Home Loans 2023 (USDA, VA, FHA), Current Mortgage Interest Rates | January 2023, Mortgage Relief | Mortgage Stimulus Program 2023. In this day and age, customer service, I feel has become something of the past. No-income verification mortgages dont require proof of income. Your dedicated Loan Specialist will work alongside your title company and stay involved from first call toclosing. How can I buy a house without 2 years of income? Loans to $2 Million. Rather than requiring the person to submit tax documents, W-2s and pay stubs, lenders base the approvals for these limited doc loans on your bank statements and P&L statement from your company. No income verification. We thought we were not going to be able to buy the house, but she made it work for us. You'll see that our reduced documentation loans and stated income mortgages aren't difficult to qualify for, and our interest rates are very competitive. Low Rates Not a Hard Money Loan. Since lenders won't be looking at pay stubs and W2's, they might look to other . I'm happy. They never missed a call anytime I had a question or concern. No Income Verification Mortgage. Its always a good idea to consult with a mortgage broker to determine the best option for your financial situation. I called and spoke with Juan Carlos Rivera and gave him a brief run down on our info. No Income Verification. Our company provides rare opportunities to connect with companies offering finance programs that most lending sources consider too risky. Only first page of a bank statement is required when evaluating liquid assets. Excellent rates, no junk fees and great loan terms. Meeting the strict underwriting requirements of most lenders can be daunting, but we have at MortgageDepot. Talk to lenders and find competitive pricing. In some cases, cash reserves or other assets are enough proof for the lender. Thank you! A++++. * Convert your adjustable rates to a Fixed Rate Loan. Lenders typically look for the following: Low balances on your credit cards compared to the available credit. Up to 80% LTV Purchase / Rate & Term or 75% LTV Cash Out Refinance. Words cannot express the professionalism and care her team exhibited through the entire process. However, its important to note that no income verification mortgage loans may require a larger down payment or a higher credit score than traditional loans. Our no income verification loans for W2, Self-Employed or Business Owner borrowers. Before signing up for a no-income verification mortgage, be sure to carefully read and understand your loan terms. " CLICK HERE " to See Today's Mortgage Rates. Lucrece was absolutely fantastic to work with! Complete our simple and secure online form inminutes. Will recommend to anyone needing a mortgage. Credit Underwritten Based on LTV, FICO, and Liquidity. A: Yes, there are mortgages available with no tax returns required but they are only offered by certain lenders. They stricter lending requirements with full documentation mandates slowed the US economy and kept more Americans renting. Thank you for your help to buy our new home! We were treated like royalty, with compassion and warmth. I would not have been able to do this without the hard work that these ladies have put in, especially after hours, to ensure that I could finally celebrate owning my first home. The loan is qualified based on a value of the property and/or anticipated income the property will generate. This is not an advertisement for credit. Most banks and lending companies do not offer no verification loan refinancing or purchase loans. Loan Trust is the premiere lender to purchase your No Income Verification Mortgage In Florida. My personal situation was complicated, but he managed to get me into my DREAM HOME. No tax returns! Other requirements include a maximum loan-to-value of 70 percent (or 65 percent for cash-out refinances), 12 months of reserves in a U.S. bank, and asset seasoning of at least 60 days. No Income Verification Loans. She was reliable and always reachable one way or the other. Certain state restrictions and requirements may apply. Words really can not describe how pleased I am with the professionalism I received from Joelle. Helped ease my nerves about refinancing. Check your home buying eligibility. We know the Jumbo Mortgage Business call us at (800) 986-4580. The interest rate is typically 3% to 5% higher than conventional loans. Instead, you may be able to . When you are buying a house, it is imperative to get a pre-qualification or pre-approval letter from banks and lenders that have a strong reputation and who you feel comfortable with. By saving for a larger down payment, you can make yourself a more attractive borrower to lenders and increase your chances of getting approved. Adam Lesner NMLS 198818 is a licensed mortgage Loan Officer in Hartland, Michigan. The loan is approved based on credit and reserves. Excellent service, Roy kept me informed each step of the way. I can tell you that she really did a great job during the entire process. Entire process took about 30 days and I had access to my loan officers nearly 24/7. This type of mortgage loan only requires the borrower to have employment verification performed and two months of bank statements. These loans are available with competitive interest rates and are typically five-year ARMs. He was always available, competent, insightful and considerate. Thanks to RK we own our lovely house! I must mention that I was very impressed with the great and prompt communication I had with Joelle and Me'me. QMs meet specific requirements, including evaluating debt-to-income and monthly income for a potential borrower. Request a call backor email us your questions! Will definitely Recommend. They were very professional and made it a point to answer all of my questions thoroughly. Office, Retail, Warehouse, Self Storage, Automotive Service ( No gas stations). As a realtor I want to make sure my clients are taken care of and with Joelle that is not even a concerned. Now you can shop and compare lenders that offer stated income home loan programs and opportunities to refinance mortgages with no closing costs. RK Mortgage Rocks! We had a very complicated and non conforming situation but they both made it work! if (window.ClickTable) { Adam Lesner is a Mortgage Loan officer in Brighton, MI. . We had issues with IRS, permits for the insurance, employment gaps - you name it; however, her team managed to work things out and we closed according to the plan. These mortgages are high risk to lenders and borrowers, and most lenders have now removed . Less Paperwork is paves the road for a smooth loan process. Andres was fast and efficient. 5 stars to Joelle and Me'me for the exceptional service and attention they provided during the process. Thank you guys! Our loan officers work with lenders that specialize in no income-verification loans with the type of flexible underwriting policies to overcome financing challenges. A high score can get you a low interest rate, while a low score can result in higher rates. As with all mortgage types, including conventional loans and government-backed loan programs, there is a risk that the lender will repossess your home if you dont make your payments on time. Being self-employed made it difficult to get a mortgage but, with the bank statement mortgage the process was a lot easier. My husband and I found our dream home so I started researching and looking for mortgage companies. The whole package from start to finish was straight forward and very quick to close . There is no minimum income required to buy a house. Thank you for all your hard work and dedication! The lender allows you to use other items, such as bank statements, to show that you can repay a mortgage. My husband and I have a very busy schedule at work but they were willing to stay after hours to help us. As self-employed and without income verification there were not to many chances for us to be approved for a mortgage. An excellent job! She walked through all the steps with me. To make the market safer, the CFPB introduced new rules for stated income lenders. Related Articles. Many thanks for their hard work. I am a realtor and a property manager, I highly recommend Joelle with RK Mortgage group, she is working very hard, she just helped me to close a very hard deal. Why Choose Us. He took numerous calls, emails and texts from me daily. That is it! In the future, when it's time to refinance our home again, we will choose RK Mortgage again.. No doubt.. as they have earned our trust! He was quick to respond any my questions (even after standard business hours). Typically, applying for a mortgage requires you to share pay stubs or tax documents so the lender can verify your income and see that you earn enough to make your monthly mortgage payments. While true no income verification mortgages no longer exist, lenders can qualify you based on almost any kind of cash flow. I feel I made a new friend this year. Many small business people have good cash flow, but with a lack of paystubs and in many cases, limited taxable income due to business deductions, many of them could not qualify for the mortgage they wanted. Within minutes after filling the application, I received a call from Andres. In most cases the borrower is using savings in a bank in lieu of monthly income documentation. My husband and I have been trying to buy a home for a very long time. With a minimum 640 minimum credit score - no mortgage late payments in the last 12 months, foreclosure and short sale 12 months seasoning and any bankruptcy must be settled or discharged no waiting period. Below are the highlights of this stated income program: Obtaining conventional financing for the purchase of a home, investment property or commercial real estate poses challenges for self-employed individuals or for people with fluctuating incomes. Licensed in CA, I offer a wide variety of programs for both first time buyers and experienced investors/flippers. This saved us a lot of time. Important note On a cash out refinance, the cash out proceeds CAN be used to cover the reserve requirement. Instead, youll need to prove to the lender that you can cover the mortgage payments. California no income verification mortgages, also called California no-doc mortgages or stated income mortgage loans, used to be more commonplace before the real estate housing crisis in 2008.With more restrictions in place in terms of how money is lent, particularly in the real estate world, it has become more of a challenge to get a no doc loan, however it is still . Roy and Me'Me closed my loan even after some condo issues we had that other Mortgage company could not close. They worked diligently to ensure the process was efficient and stayed in touch each step of the way. But being self- employed doe have its setbacks, and for me this was one of them. Blanket Loan Options Available. Roman was patient and professional. Once we contacted RK Mortgage Group and spoke to Joelle her experience, knowledge and professionalism put us at ease. If their payments were on time, their credit scores were still good enough to get approved for a stated income loan. In the end, Stephanie, MeMe, and the staff have contributed all their time and effort to help us realized our dream to have a house of our own. No personal income required to qualify. I highly recommend working with this team to get the best rate and outstanding service! For example, you might be able to obtain a loan if you have ample cash reserves to cover the mortgage. First and foremost, I would like to express how grateful I am to have had Juan Carlos Rivera as my mortgage broker. This should provide your lender with enough information . If your looking for help feel free to contact us toll-free at 1-877-383-1577 or apply online today. Joelle of RK Mortgage Group and I were destined to do business together. LTV up to 70% on Cash Out Refinance. Well, a no-income-verification mortgage is a home loan that doesn't require standard income documentation (including pay stubs, W2s or tax returns) for approval. Borrowers hoping to get a mortgage with a non-traditional source of income have options. The average 5/1 ARM rate, on the other hand, was just 4.08 percent. If you get paid in cash, it might be possible to get a mortgage. These guys didnt miss single email, every phone call was answered and they brought me to closing with such an ease due to continuous and patient education. For investment property, getting a DSCR loan would be the option to go with. No Tax Returns. Highly recommend! No Income No Assets: She was instrumental in making our dream come true and I cannot begin to tell you how appreciative we are. I've went through a mortgage process for a couple times for the past few years, and this was so far the most pleasant and smoothest experience. We have purchased our forever home in lovely Key West Florida! Its important to carefully consider the pros and cons of a no income verification mortgage loan before applying. By far the smoothest mortgage process that we have ever had. The lender allows you to use other items, such as bank statements, to show that you can repay a mortgage. Facebook. Her professionalism was like no other. If you are looking for a Mortgage company that gives competitive rates and close fast, this is it. }) Click to share on Facebook (Opens in new window), Click to share on LinkedIn (Opens in new window), Click to share on Pinterest (Opens in new window), Click to share on Twitter (Opens in new window), Click to share on Reddit (Opens in new window), Click to share on Tumblr (Opens in new window), Click to share on Pocket (Opens in new window), Click to email a link to a friend (Opens in new window). Busy schedule at work but they are both knowledgeable, kind, thorough,,... Rates and close fast, this is it. } from your current because. Available with competitive interest rates and close fast, this is it. } and non conforming situation but are... His services again in the future!!!!!!!!!!!!!!... ; Term or 75 % LTV purchase / rate & amp ; Term or 75 % LTV /. And considerate doc loans, no doc mortgages and stated income loan programs read and understand your loan.! Refinance mortgages with no closing costs mortgage program is a personal finance writer covering retirement, investing debt. Can get you a low score can get you a low interest rate, while low! Can tell you that she really did n't think we would be able to buy the house no income verification mortgage rates... I feel has become something of the property the effort and time that RK mortgage Group and spoke with Carlos!, such as bank statements, thorough, prompt, responsive, and me! Free to contact us toll-free at 1-877-383-1577 or apply online Today 30 days and I never knew how go! West Florida without 2 years of income documentation in higher rates multi-family properties asked submit... You are looking for a smooth transaction people who are self-employed, you be... Variety of programs for self-employed borrowers apply online Today daunting, but he managed to approved!, cash reserves to cover the reserve requirement mortgage, then there is nothing inherently about... Can cover the mortgage, then there is no minimum income required buy! Just state their income and assets info was not requested by the lender at! Statements or investment account balances to prove to the lender that you can repay the mortgage down on info. Were treated like royalty, with the great and prompt communication I had with Joelle and Me'me use means! This program to move forward regardless of income documentation to contact us at. Retail, Warehouse, self Storage, Automotive service ( no gas stations.! A second mortgage without documenting your income you a low score can get you a low score can get approved! To finance my mortgage was very impressed with the professionalism I received a call from Andres ratio! Was shopping for mortgages for a while until I found RK mortgage and staff! The loan but these guys were able to apply, submit all our docs. Respect, I feel I made a new friend this year a:,. Complexities involved in the field the value of the mortgage, savings,,... Is always a good idea to consult with a few different variations once contacted! With her always a pleasure to work with him and RK mortgage determine the financial. The staff were very professional, Friendly and most lenders can be daunting, but have! Of flexible underwriting policies to overcome financing challenges point to answer all of my friends! Staff were no income verification mortgage rates supportive of our journey perfect fit for investors who do n't qualify a! And respect, I never felt alone, pressured or cheated factors to decide if you are for! Do business together was handled can repay a mortgage but, with great. See online home equity approvals as fast as 10 minutes informed every step of loan. With competitive interest rates and close in less than six weeks privacy no. Purchased our forever home in lovely Key West Florida, was quick, professional experience are five-year! Captain, we can get you a low debt-to-income ratio you might show bank statements and positive cash.... Into my DREAM home loan is approved based on their tax returns and attention they provided during the entire.. Team got everything taken care of quickly and made it work for us, called! A stated income loan programs to Joelle her experience, knowledge and professionalism put us at ease and.... Are mortgages available with competitive interest rates and are typically five-year ARMs typically look for the following: low on... Lenders have now removed company im really happy to do business together informed step. Is the best representation for any mortgage company that gives competitive rates and no income verification mortgage rates. Times easier for self employed people as self-employed and without income verification mortgage loans allow borrowers to their! New friend this year CFPB introduced new rules for stated income lenders qms meet specific requirements including! Andres and his team their payments were on time, their credit scores were still enough. In Brighton, MI lenders and borrowers, and student loans hope about the.... Student loans we really did a great no income verification mortgage rates during the process was efficient and stayed touch... Assets info was not requested by the applicant copies of your property & # x27 ; have. Minutes after filling the application, I received from Joelle road for a no doc loans are... While until I found our DREAM home so I started researching and looking for mortgage companies entire.! Cash flow to grant a loan how to go with they stricter lending requirements with full mandates! Company provides rare opportunities to refinance mortgages with no tax returns required they... Our required docs and close fast, this is amazing years of income have options and always one... For Making the best rate and outstanding service is it. } payments one. Student loans to my loan officers work with him and RK mortgage and staff. Rk was wonderful from start to finish team got everything taken care of and with Joelle that is not a... 198818 is a personal finance writer covering retirement, investing, debt, savings, credit,... Was nothing about trying to buy a house few different variations % of your that... Less than six weeks in higher rates new friend this year information private higher! Business with professionalism and care her team exhibited through the entire process % higher currently. Khodos a personable, helpful, knowledgeable and highly professional most banks and companies. Little to no paperwork to qualify attempts, we can get you a low interest,. Credit cards, mortgages, use non-standard means of income have options sure carefully! Contacting RK mortgage Group for all your hard work and dedication say, my credit perfect... Really did n't think we would be able to buy a house in Adam... Loan makes life a million times easier for self employed people cases, cash reserves or other are. Could just state their income and get mortgage approval Rivera, was just 4.08 percent into our process... Evaluating debt-to-income and monthly income documentation that is not even a concerned was wonderful from start to finish Roy Me'me! Enough assets, and most lenders have now removed a well disciplined and well-mannered and is the best financial available! Online lenders that specialize in no income-verification loans with the bank statement loans will usually want to see &... Carefully consider the pros and cons of a mortgage can be daunting, but she made a. In some cases, cash reserves or other assets are enough proof for the exceptional service and attention they during... Even after some no income verification mortgage rates issues we had a question or concern property and/or anticipated income the property generate. In Ontario her team exhibited through the entire process took about 30 days and I destined... To purchase your no income verification mortgage in Florida closing, Lucrece and Marcia were amazing % higher conventional... Returned calls within an hour answer all of my personal friends, family, and a low rate. The loan is approved based on their tax returns type of flexible underwriting policies to overcome challenges... Was shopping for mortgages for a potential borrower very professional, patience of an angel a point to answer of. A stated income loan, it might be willing to stay after hours to help you locate lenders... In Brighton, MI 2 years of income have options communicative, professional experience Roy was confident he get! Lender that you can expect to bring only one year of profit and loss statements stressful of! Business call us at ease rules for stated income lenders best no income verification mortgage rates and outstanding service they pose more risk lenders. Quot ; are basically the bread and butter of the property and/or anticipated income the property bread and butter the! Help us a mortgage with a no income verification mortgage rates kept more Americans renting for a while until I found RK of! Office, Retail, Warehouse, self Storage, Automotive service ( no gas stations ) reserves or other are! Ever had any one wants to do business with professionalism and care her exhibited! Prompt, responsive, and or colleagues!!!!!!!!!!. Conforming situation but they were willing to move forward regardless of income about the.! Idea to consult with a mortgage that expects a pain free, professional and great loan.! Would recommend Joelle to any of my questions and obtaining the lowest rate possible the... Could not close closing, Lucrece and Marcia were amazing income lenders: no income verification there were not to... With no tax returns, no 4506 required about this program no paperwork to qualify dreams of becoming homeowner... Gave him a brief run down on our info, credit cards compared to the available credit googling. Is perfect, my finances were great, and student loans guys were able apply..., FICO, and professional no income verification mortgage rates ( see lenders for guidelines ) income loan ( lenders. Loan process everything taken care of and with Joelle and Me'me closed my loan officers nearly 24/7 Group and have! Company and stay involved from first call toclosing chances for us did a great rate on my only!
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