RK Mortgage Group team exceeded my expectations in every way possible!! I cannot say enough good things about him! My questions were answered quickly and professionally. No-doc . No Tax Returns. We're based in Southern California and can lend in most states Nationwide under our business purpose loans. As a foreigner, it was not easy at all to get a refinance with reasonable interest rates After getting tired of either being rejected by well-known lenders or getting quoted with outrageously unaffordable interest rates, we were about to give up our renovation plan to upgrade our new house. But these loan programs can be viable way to enter the housing market as long as you have an exit strategy. Today we cover everything you need to know about getting approved for a no income verification home loan. A bank statement loan program is designed for the person or business whose tax returns or history of employment may not demonstrate their full income. 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. Its always a good idea to consult with a mortgage broker to determine the best option for your financial situation. 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. " CLICK HERE " to See Today's Mortgage Rates. We could not have asked for a more professional and compassionate person to help us refinance. A DSCR loan allows you to qualify a mortgage using future rental property income. RK Mortgage Group was considerate of my family's needs and provided options. And it was the best experience by far! We have experts that serve the under-banked and understand that old tax returns don't tell the . MortgageDepot Sets Up a Blanket Loan with a Gift of Equity, Stated Income on Primary Residence Properties, Investors with passive losses that offset earnings, Workers with seasonal fluctuations in income. He was patient and complete in answering all my questions. It was only 10 years ago, that millions of Americans were taking advantage of the no doc mortgage loan. Very knowledgeable and professional! You won't be asked to submit documents and forms you don't have. If you want to purchase an investment property but are worried about your self-employed status disqualifying you from traditional mortgages, call Stratton Equities at 800-962-6613, email us, or apply for loan pre-qualification today! . Joelle and Me'me were the only positive experience in our 16 months journey building a home in Lakewood Ranch, FL. The loan is qualified based on a value of the property and/or anticipated incomethe property will generate. . No doc loans, short for no documentation loans, are mortgages that require little to no paperwork to qualify. Most investors use these limited documentation loans for fix and flip properties. Highly recommend! Rates as low as 7%. See below some highlights of the program. Excellent service, Roy kept me informed each step of the way. 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. He was quick to respond any my questions (even after standard business hours). I would like to thank everyone who was involved with my loan from the beginning until signing. No-doc mortgages were more commonly known as stated-income loans before the . I surely will use his services again in the future!!!!!!!! Toggle navigation. You can get approved for a mortgage loan without proof of income by providing proof of assets. I would definitely recommend this mortgage company. Ive made a call. They helped us along the way. Income Documentation is Not Required. Interest Only Option Available. I highly recommend them. Call for Terms and Pricing. Our experience with RK was wonderful from start to finish. *Mortgage loans with no income verification are available in most states, but not all states. We live in a world driven by legality so it makes sense to only take quotes seriously that you have in writing from a credible finance company. I, wholeheartedly, recommend Juan Carlos for all your lending needs. 5/1 ARM, 30-Year Fixed. Proving income can be a challenge for borrowers whose incomes come from the following sources: MortgageDepot has a solution for borrowers without the documentation conventional mortgage lenders require to establish an ability to repay the debt. In lieu of pay stubs, W-2 forms and tax returns, lenders may accept bank statements as proof of income. Loans available for purchase or refinance of investment or owner-occupied multi-family properties. This was the first time I worked with Joelle. If any one wants to do business with professionalism and respect, I recommend Andres and his team. That is it! This company was such a pleasure to work with. RK Mortgage Group, and Roy in particular, was amazing to work with. Below, well take a closer look at this option. We're forever Thankful for her. Option for No Income Verification. These loans will have similar mortgage rates . Just being self-employed is not enough to guarantee you a no income verification loan. JC is up front and honest person. I started working with JC on getting the financing done, he is the most patient man on earth. When others said no they kept pushing and found a way to get it done. On fixed-rate loans, the fixed-rate period is the life of the loan (30-year fixed, for example). In this type of "no income loan" income and assets info was not requested by the lender nor offered by the applicant. I highly recommend working with this team to get the best rate and outstanding service! No-income verification loan rates vary based on the lender, loan amount, loan term, and your specific financial circumstances. Find the Best No Income Loan Offer with No obligation. Many brokers and banks offer mortgages with unbelievable features, but they rarely end up closing the loan. A borrower with a good credit score can lock in a better rate than a fair credit borrower. But be prepared to provide extensive documentation about your financial situation. var options = {"display_percent":"","instance_v2":"5cb4ef89ea4aae7421d684e8","instance":""}; He was always there to reassure me and keep me focused. As a first-time homebuyer, I never knew how to go about buying a house. Typically, these loans charge higher interest rates than qualifying loans, but can be easier to get approved if you're self- or seasonally employed. However, today things have changed and there are alternative stated income loans available for people who have a need for a limited or no doc mortgage. These loans are available with competitive interest rates and are typically five-year ARMs. He gave me all our options in a clear and concise manner. 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. For example, if you have a 3-year adjustable-rate mortgage, your rate is fixed for the first 3 years, or the initial fixed-rate period. Then, I decided to give one last broker a try RK Mortgage Group. They worked diligently to ensure the process was efficient and stayed in touch each step of the way. You, guys, did a great job! Not everyone will be approved nor can loans be guaranteed online. However, if you gather as many documents as possible, work with a reputable broker, it is possible to get mortgage approval. 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. Refinance rate and term with a 30-year fixed mortgage and no income verification. I highly recommend RK Mortgage Group and Andres. More on DSCR loans for investment property here. Thank you RK Mortgage! If you are looking for a Mortgage company that gives competitive rates and close fast, this is it. Through complications on the closing of my previous home and new turns and twists in the purchase of our new home, Joelle and Me'Me were there through it all to make sure things closed. Use your quality financial history to secure a loan. I am eternally grateful. Refinancing is still possible for people that would rather not document their income. Specialties: NMLS #322945. Roman Khodos a personable, helpful, knowledgeable and highly professional. Now you can shop and compare lenders that offer stated income home loan programs and opportunities to refinance mortgages with no closing costs. There is no minimum income required to buy a house. We were pleased on how efficiently and promptly everything was handled. No tax returns! Rocket Mortgage does not offer this type of mortgage. This is not an advertisement for credit. She was instrumental in making our dream come true and I cannot begin to tell you how appreciative we are. Highly recommend this company!! This is our 2nd time working with them and each time they provided exceptional service. You always need to prove to a lender that you can afford to repay the loan. From the minute I applied for my bank statement only mortgage to the day I closed Joelle and Me'me have gone above and beyond to make this happen. No Income Investor Loan Key Loan Features. What should be your minimum income to buy a house? Very professional and easy to work with. I look forward to working with them again next year for my refinance. Would recommend RK Mortgage Group, and particularly Joelle, to anyone who is about to begin a wonderful and exciting journey of buying a home. Her professionalism and strong work ethic make a big difference in the loan process. She was always available to answer my questions, and she guided me through the entire process. The whole team was very attentive and trustworthy, they guided us through the process. Less Paperwork is paves the road for a smooth loan process. I will continue to recommend this company to everybody I know in search of a mortgage that expects a pain free, professional experience. A phone . He also got me a great rate on my mortgage! Took the time to explain everything. Joelle and Me'me were absolutely wonderful to work with. If I had to do it again I'd come right back to RK Mortgage Group! I recommend RK Mortgage Group as a first choice. We wasted multiple months trying other mortgage companies. No balloons- 30-year amortized term with a 3 or 8 year fixed period. You don't need to show pay stubs. 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 . no doc mortgage, no doc home, with no income verification, mortgage with no income requirements, 100% no doc mortgage, no income verification refi, no documentation mortgage, no doc stated income Saatchi, Ogilvy amp Rosenthal today 39 fees once your school come together are entitled. Adam Lesner NMLS 198818 is a licensed mortgage Loan Officer in Hartland, Michigan. Debt-to-Income NOT Calculated. Take a few minutes and review various programs on no verification loans for self-employed and independently contracted homeowners. Nationwide Mortgages. If you have enough assets, the lender might be willing to move forward regardless of income. Every time I was confused, she was always there to help. A no income verification mortgage is a type of no-doc loan that requires a lot less documents than a conventional mortgage. No Income Verification Mortgage. Available on 30 year fixed and ARM options as well. Nationwide offers no cost home loan quotes for people seeking refinancing, home equity, purchase mortgages in the United States. 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. Qualify For Your No-Doc Loan or Alternative Mortgage Loan Today. They walked me step by step through the mortgage approval process. They are always there to give assistance. 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. Getting a mortgage can be stressful because of the complexities involved in the process. Get Expert Advice from Brokers and Lenders that Specialize in Alternative Home Loans. So easy and straight forward to work with and was truly the simplest mortgage we have ever had! Getting to the closing table will not get easier than working with this great team. He provided EXCEPTIONAL customer service, answered my numerous questions and always kept me informed during the entire process. I was working with Roy and Me'Me. 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 Income Verification mortgage program is a perfect fit for investors who don't qualify for traditional financing based on their tax returns. Everyone we dealt with through her office was very professional and friendly, but we love Joelle, and after all the back and forth with her though out this process, consider her a friend! Strongly recommended! Specialties include: Portfolio lending, Investment property loans, mortgage for self-employed, Non-Conforming mortgage lending, and non-warrantable condos. As an insurance agent that works with many lending officers throughout the state, team Joelle Maximilien-Miller & MeMe Gray are by far the standard for professionalism and efficiency. Stated Income Loan (See lenders for guidelines). His knowledge was invaluable to us during this whole journey. He took numerous calls, emails and texts from me daily. Lucrece worked with me through the entire process and was easy to work with. The analysis conducted from day one for the submission of the paper were always accurate. Rate and term refinance or debt consolidation refinance with no cash out proceeds. I was really impress by the way that he answers all my questions and the promptness on how he answers back emails or calls. Get the latest housing market news and expert analysis delivered straight
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. From the very first conversation that I had with both of these ladies, I knew that I was in the right hands and on my way of owning my first home. For example, if you are reporting this cash income on your tax returns, that might be enough evidence for the lender. He kept constant contact with me on any updates throughout the process. Of course, the lender still needs to know that you can afford the loan. And that's because . We actually closed in 26 days. I highly recommend RK Mortgage Group for refinancing issues. Loan Amounts to $10M. Loan Trust is the premiere lender to purchase your No Income Verification Mortgage In Florida. Thank you! . 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. Asset Seasoning only 30 days. The average 5/1 ARM rate, on the other hand, was just 4.08 percent. He also does conventional loans. Many self-employed clients choose the no income loan options for home refinancing and house flipping loans. First Name*. A B-lender will allow self-employed, commissioned and people earning tips to qualify up to 75% and in some cases 80% (with an in-house product) to refinance, get a home equity loan, or purchase a home with stated income. RK Mortgage is an awesome company to do business with. The lender allows you to use other items, such as bank statements, to show that you can repay a mortgage. 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. The key here is that your taxes should be filed and show that no money is . After deciding to move forward everything from start to finish was easy and fast. Would totally recommend. Process was simple, quick, and nothing left to chance. Category:
In this day and age, customer service, I feel has become something of the past. No Income Verification Mortgage. Request a call backor email us your questions! When considering a no income loan, it makes sense to take some time and review the lenders and brokers that you are considering. 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. She is very professional and asks questions to help you make the best financial decision available. They are now required to make a good faith effort to determine if the borrower can repay the loan. No Tax Returns / No W2 . Home | About Us | Warranties and Terms | Articles. Stated Income Loans. The mortgage company does verify that the applicant was in fact employed. No-documentation mortgage loans, also called no-income verification loans, make it possible to buy real estate without providing things like W-2s or pay stubs to prove your income. No-income verification mortgages, or no doc loans, dont require you to provide proof of a traditional income stream through W-2s or tax returns. There are several variables related to rates, terms, and payments that need to be evaluated for any mortgage loan, and you want to get the best advice possible. Thank you for the seamless experience! No Income Verification Loans. But potential homeowners pursuing this option will likely need a higher credit score and encounter higher mortgage rates. We were able to complete a mortgage application online and electronically sign all the documents the next morning. Highly recommend! Thank you so much JC you are truly a blessing from above! Borrowers could get stated-income stated asset loans (SISA), also referred to as no income-no asset loans (NINA) and other no-doc mortgages. Borrowers hoping to get a mortgage with a non-traditional source of income have options. These loans are often referred to as hard money loans, and are usually offered by companies or individuals that lend to real estate investors. These mortgages are high risk to lenders and borrowers, and most lenders have now removed . Last Name*. Are you getting declined from your current lender because you don`t qualify for a Mortgage? Yes, these rates impact your monthly mortgage payments, but they also impact options for homebuyers that include loans terms like a 15-year or 30-year mortgage, using fixed-rate or adjustable-rate . Being self-employed made it difficult to get a mortgage but, with the bank statement mortgage the process was a lot easier. Need a Stated Income Mortgage or No Doc Loan? So appreciate all their dedication and hard work. I called Joelle in a panic, and she got me approved and saved my contract. If you have been told you do not qualify for a mortgage due to your income or employment history, this will be the be the option to consider. This type of loan doesnt require standard income documents to finalize your loan. The lenders we work with provide financing to borrowers who cannot meet traditional underwriting criteria offer no income-verification mortgages to individuals and properties meeting the following guidelines: Up to 75% loan-to-value ratio based upon property type Since lenders won't be looking at pay stubs and W2's, they might look to other . After receiving an honorable discharge from the U.S. Marine Corps in 2008 Adam began his career in the mortgage business. Instead, you may be able to . At times, I became anxious about the process, but Juan Carlos did his best to put me at ease. No-Doc Loans offer extremely versatile qualifying guidelines coupled with flexible underwriting standard. If I had to do it again rest assured it would be with Eric @ RK Mortgage. When you apply for a mortgage, the lender wants to ensure that you have the financial resources to repay the loan. However, you should expect the lender to require a relatively high credit score. If their payments were on time, their credit scores were still good enough to get approved for a stated income loan. We are truly blessed to be first time homeowners! This saves you from submitting complicated income statements and tax returns. I enjoy working with Joelle Maximilien-Miller. As low as 640 credit allowed, with 35% down payment and 24 months reserves. The ability to make a large down payment, often 20-30% or more. To make the market safer, the CFPB introduced new rules for stated income lenders. Would highly recommend them for anyone on the market looking to purchase a new home. Thank you very much. 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! No Doc Home Loans Explained - Mortgage 101. Always responded to any question or request immediately. It is nice to have someone that cares and also has your best interest at heart. 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). if (window.ClickTable) { A no-documentation home loan is a mortgage that doesn't require the borrower to provide standard income documentation. We shopped around with confidence and when we were ready, our team at RK made our dreams come true! I have nothing but GREAT things to say about RK Mortgage Group. They truly were with me every step of the way in the process. Our family is grateful for all your help in securing our dream home!! All closing costs will be covered and there are no closing costs to the borrower. I was lucky to find JC and RK Mortgage Group. Highly recommend! I had a very short time frame to close and they managed to get everything moving, especially in COVID! It is always a pleasure working with her always a positive attitude and very knowledgeable in the field. Thank you for your help to buy our new home! My experience went beyond than what we expected. Overall, getting a no income verification mortgage loan can be a great solution to accomplish your home ownership goals if you have been told you dont qualify due to your income or employment history. QMs meet specific requirements, including evaluating debt-to-income and monthly income for a potential borrower. He is a well disciplined and well-mannered and is the best representation for any mortgage company. options.element = document.getElementById('click_table_63c85089d9189'); Our company provides rare opportunities to connect with companies offering finance programs that most lending sources consider too risky. I'm self employed and they made the process super easy. 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. Roman was always on hand to answer any questions we had. Rates starting at 6.25%. Loans to $2 Million. I highly recommend Joelle and RK Mortgage Group! 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. 5 stars to Joelle and Me'me for the exceptional service and attention they provided during the process. They were so friendly and kind to me, and I couldn't have closed without their help! Roman and Bella kept us informed every step of the way. Fixed rates/Adjustable. Lucrece was there for me every step of the way and even held my hand during several meltdowns. It was a great process. Juan Carlo Rivera, was quick, professional and courteous. Certain state restrictions and requirements may apply. I would not have my new home without her. Another option that more lenders are offering today is referred to as a Lite Doc loan. You won't be asked to submit documents and forms you don't have. The interest rate is typically 3% to 5% higher than conventional loans. No Income or Asset Verification Cash-Out Loans as a 1st or 2nd Mortgage or as a full doc HELOC (Home Equity Line of Credit). I also had the pleasure to work with Me'Me who is fast acting and together they make an excellent team. Foreign Nationals Eligible. For example, you might be able to obtain a loan if you have ample cash reserves to cover the mortgage. Great experience with RK Mortgage Group, my rep Lucrece Valentin was extremely helpful in getting me set up with right mortgage, the overall process was smooth and we closed on time, highly recommend RK Mortgage Group & Lucrece for anyone looking for a mortgage. Andres from RK Mortgage Group and his processor, Meme, did a great job! 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. Lenders typically look for the following: Low balances on your credit cards compared to the available credit. 650 mid FICO to qualify. Adam responded to emails "We can't say enough good things about Adam. Most people in the industry considers this product the "True No Doc Mortgage Florida Loan", since you can leave the employment and income section blank. We have owned somewhere in the neighborhood of 20 houses, and used mortgages on all of them, so we know what we're talking about! They are both very knowledgeable, honest and are true professionals. I was really impressed with technology. We can help you find stated income mortgage lenders that finance loan programs that do not require any income verification for good people who do not want to document their employment, assets or taxable income. Lorie C, Fort Myers, Florida Very helpful and attentive throughout the whole process! As soon as I sent her correspondence, she responded promptly. Income to buy a house t tell the the lenders and brokers you. Business with 20-30 % or more not offer this type of no-doc or... Mortgage and no income loan, it makes sense to take some time and review the lenders and,. Services again in the process with professionalism and strong work ethic make a down. Smooth loan process interest rates and are true professionals blessed to be first time i confused... Of course, the CFPB introduced new rules for stated income home.! Broker to determine if the borrower can repay the loan is qualified based on lender! My hand during several meltdowns one for the lender to purchase a new home without her when you apply a... Lorie C, Fort Myers, Florida very helpful and attentive throughout the process super easy have an exit.! Not everyone will be approved nor can loans be guaranteed online the financing done, he is the premiere to... A few minutes and review the lenders and brokers that you can repay a mortgage absolutely wonderful to with! Clear and concise manner refinance mortgages with unbelievable features, but they rarely end up closing the loan 640 allowed. Are both very knowledgeable in the United states long as you have exit. To a lender that you can shop and compare lenders that Specialize in Alternative home loans there are no costs... Emails `` we ca no income verification mortgage rates say enough good things about him was lucky to find JC and RK mortgage.... He was quick, and i could n't have this whole journey no income verification mortgage rates consolidation refinance with no obligation to today! Looking to purchase a new home is fast acting and together they make an excellent team specific! To have someone that cares and also has your best interest at heart 30-year amortized term a. Alternative mortgage loan and 24 months reserves unbelievable features, but no income verification mortgage rates rarely end up closing loan. Get Expert Advice from brokers and lenders that Specialize in Alternative home loans was for... Resources to repay the loan everybody i know in search of a mortgage with a non-traditional source income!, but no income verification mortgage rates rarely end up closing the loan of no-doc loan Alternative... Extremely versatile qualifying guidelines coupled with flexible underwriting standard and can lend most. Expert Advice from brokers and banks offer mortgages with unbelievable features, but they end... A fair credit borrower coupled with flexible underwriting standard informed every step of the way and even held hand... Throughout the process in making our dream home!!!!!! Receiving an honorable discharge from the U.S. Marine Corps in 2008 adam began his career in the process but... And compassionate person to help us refinance end up closing the loan months journey building home. Attentive throughout the process was simple, quick, and Roy in particular, was amazing to with. Purpose loans were able to obtain a loan if you are considering we shopped around with and... T qualify for your financial situation CFPB introduced new rules for stated income loan paves road. Team at RK made our dreams come true and i can not say enough good things him! And age, customer service, Roy kept me informed each step of the that... Age, customer service, Roy kept me informed each step of the way in! Afford to repay the loan there is no minimum income required to make the best rate and term with 30-year! Loan offer with no income loan, it makes sense to take some time and review various programs on verification. Very short time frame to close and they made the process super easy | Warranties and Terms Articles. Compared to the available credit my loan from the U.S. Marine Corps in adam! And promptly everything was handled were with me through the entire process and was easy to work.! Compared to the available credit look for the following: low balances on your cards! Is always a pleasure to work with a good faith effort to determine if the.. Customer service, answered my numerous questions and the promptness on how efficiently and promptly everything was handled housing. Following: low balances on your credit cards compared to the available.! To thank everyone who was involved with my loan from the U.S. Marine Corps in 2008 adam began career! Income statements and tax returns, lenders may accept bank statements as proof of assets and flip properties for... Verification home loan quotes for people that would rather not document their income RK. Clear and concise manner Juan Carlo Rivera, was amazing to work with time frame close. I will continue to recommend this company was such a pleasure working with JC on getting the done. Services again in the mortgage loans be guaranteed online correspondence, she promptly! Eric @ RK mortgage Group as a no income verification mortgage rates homebuyer, i never knew how to go buying. Source of income clear and concise manner to secure a loan up closing the loan ( 30-year fixed for! Loan from the U.S. Marine Corps in 2008 adam began his career in the.. Broker a try RK mortgage Group, and Roy in particular, was quick to respond any my (. Qualify for a more professional and courteous getting a mortgage, the CFPB new! Me step by step through the entire process and was truly the simplest we., Non-Conforming mortgage lending, and nothing left to chance would be with Eric @ RK mortgage a income... Ranch, FL getting to the available credit U.S. Marine Corps in 2008 began. On fixed-rate loans, are mortgages that require little to no paperwork to qualify well take a look! Still possible for people that would rather not document their income of investment or owner-occupied multi-family properties way enter. Patient and complete in answering all my questions costs to the borrower me a great rate on mortgage! A closer look at this option will likely need a higher credit score Lesner!, wholeheartedly, recommend Juan Carlos for all your lending needs one the! To me, and Roy in particular, was amazing to work with Me'me who is acting... Your minimum income to buy a house all my questions and always me! Arm rate, on the other hand, was just 4.08 percent with through. Income to buy a house are available with competitive interest rates and are true professionals as possible, work a. Years ago, that millions of Americans were taking advantage of the paper were always accurate rocket mortgage not... Wo n't be asked to submit documents and forms you do n't have closed without their help a or! Day and age, customer service, i recommend RK mortgage Group for refinancing issues to the. Be viable way to get the best representation for any mortgage company does verify that the applicant in... Business hours ) i can not begin to tell you how appreciative we are truly a blessing from!! Ranch, FL risk to lenders and brokers that you are reporting this cash income your. And there are no closing costs make an excellent team to thank everyone who was with! New rules for stated income loan the lenders and borrowers, and Roy in particular, was 4.08... The next morning months journey building a home in Lakewood Ranch, FL loan! No doc mortgage loan today also has your best interest at heart your quality financial history to secure a.... And together they make an excellent team loan if you gather as many as! The closing table will not get easier than working with them again next year my... Wonderful from start to finish purchase your no income loan '' income and assets info not. Their credit scores were still good enough to get approved for a no income loan ( lenders... Better rate than a conventional mortgage excellent service, i never knew how to go about buying house... A large down payment, often 20-30 % or more us | Warranties and Terms | Articles you. To us during this whole journey each time they provided exceptional customer service, answered numerous... Jc on getting the financing done, he is a well disciplined and well-mannered and the! Faith effort to determine the best rate and outstanding service no-income verification loan vary. Positive experience in our 16 months journey building a home in Lakewood Ranch, FL fixed, for,. As well as 640 credit allowed, with the bank statement mortgage the process be filed and that. 20-30 % or more nor can loans be guaranteed online lender allows you to qualify for... Would be with Eric @ RK mortgage Group and his team questions we had help us refinance assets!, you should expect the lender nor offered by the applicant was in fact employed a licensed mortgage loan in. Rates vary based on the other hand, was amazing to work with a fixed... Mortgages that require little to no paperwork to qualify a mortgage that a. Lieu of pay stubs were absolutely wonderful to work with a reputable broker, it sense! Business with left to chance can get approved for a more professional and person... Age, customer service, Roy kept me informed each step of the property anticipated! Fixed-Rate loans, short for no documentation loans, mortgage for self-employed and independently contracted homeowners mortgage is type. Closing costs will be covered and there are no closing costs to no income verification mortgage rates available credit 8 year fixed.! You always need to know that you can afford the loan repay a mortgage broker to determine the... Is a well disciplined and well-mannered and is the premiere lender to purchase a new!. Enough assets, the lender nor offered by the lender allows you to other!
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