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Below, well take a closer look at this option. Great group to work with, they helped us acquire our dream home for our family. You won't be asked to submit documents and forms you don't have. No Income Verification Mortgage. They made it happen. From start to finish Joelle was there for us guiding us every step of the way. This can be appealing for those who do not want to disclose their income or employment to a lender. A breakthrough in borrower qualification. Some borrowers would rather not disclose their bank-statements, pay-stubs and tax returns. Not everyone will be approved nor can loans be guaranteed online. Although the whole process took longer than we anticipated due to certain complication of our case, we were very satisfied and very happy with their service. Many Americans simply do not trust banks or government agencies having access or records of their personal or financial information to get a loan. I actually closed before the date promised. I actually closed before the date promised. var options = {"display_percent":"","instance_v2":"5cb4ef89ea4aae7421d684e8","instance":""}; So easy and straight forward to work with and was truly the simplest mortgage we have ever had! 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. Thank you all for your time and excellent customer service! Roman Khodos a personable, helpful, knowledgeable and highly professional. In addition, all assets counted . Without her assistance and hard work none of this would have happened. There is no application fee from participating lenders or banks. Here is what you can expect when buying a home with no income verification: Reserves are the number of months of morgtgage payments you have left over in verifiable assets after accounting for the amount needed at closing for down payment, costs, and escrows. We highly recommend RK Mortgage Group. My situation was unique and they helped me navigate through the steps all the way to the closing table. Roman was patient and professional. My experience went beyond than what we expected. I never felt left out throughout the process until closing. They truly were with me every step of the way in the process. It was a learning experience for us. They educated my wife and myself on the process and helped us make an informed decision . He was always accessible and always willing to answer my endless questions. Check your home buying eligibility. Great team to work with. 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. I recommend RK Mortgage Group as a first choice. These loans carry high interest and are offered to investors based upon the value of the property. We are truly blessed to be first time homeowners! I should say, my credit is perfect, my finances were great, and my income is solid. No documentation loans come with a few different variations. The speed at which my communications were received and answered was outstanding. The service was top-notch, I believe that everyone working at RK Mortgage are team players with one goal in mind their client's success. Rates back in the old days in the 80's were over 10%! Loan Trust is the premiere lender to purchase your No Income Verification Mortgage In Florida. This is a benefit because that allows higher loan to value ratios. As with every financial product, a no-doc mortgage has some advantages and disadvantages to keep in mind. Self employed borrowers should also review our Bank Statement program. It is always a pleasure working with her always a positive attitude and very knowledgeable in the field. Our experience with RK was wonderful from start to finish. In this example, the real estate developer has more than six times the cash flow necessary to cover their debt obligations. We highly recommend him and RK Mortgage Group! To qualify, you must deposit a 25 percent down payment for the total cost of the purchase transaction and obtain 65 percent Loan to Value (LTV) financing for refinancing. I can't thank him enough for everything he did. They were so great to work with, Joelle and MeMe, thanks again. Strongly recommend to call RK Mortgage for all your mortgage needs. Will definitely recommend! Great team to work with. If you need a mortgage I recommend you call RK Mortgage Group. This saves you from submitting complicated income statements and tax returns. . Get the latest housing market news and expert analysis delivered straight If you think a bank statement loan might be the right solution for you, fill out our online application or call us at (855) 394-8288 to connect with our team. However, Nationwide continues to provide info on affordable reduced documentation home loans without income verification. From start to finish, RK's team was dedicated to taking care of our family and our home buying experience. Andres Taillepierre and his team worked super hard and quick to give us the best deal refinancing our home. No-doc loans . Thank you for the hard work. QMs meet specific requirements, including evaluating debt-to-income and monthly income for a potential borrower. From my first contact to the day of settlement Roman Khodos was extremely responsive and willing to walk me through any questions. I'm writing this review in my new house and Im thankful to RK Mortgage Group for this. An excellent job! They are both very knowledgeable, honest and are true professionals. 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. The loan is qualified based on a value of the property and/or anticipated income the property will generate. Yes, its possible to get a mortgage without a verifiable income. Thank you again for all of your help and support! Strongly recommended! No income information was requested however, assets were verified by a designated employee at the mortgage company. Shop with Reputable Companies: It is no secret that getting approved for a stated income loan for refinancing can be very challenging, so we suggest discussing your situation with experienced lenders. Its not impossible to qualify for a no-income verification mortgage. On fixed-rate loans, the fixed-rate period is the life of the loan (30-year fixed, for example). First and foremost, I would like to express how grateful I am to have had Juan Carlos Rivera as my mortgage broker. No Income Investor Loan Key Loan Features. 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). Many self-employed clients choose the no income loan options for home refinancing and house flipping loans. window.ClickTable.mount(options); This was the first time I worked with Joelle. The analysis conducted from day one for the submission of the paper were always accurate. On May 19, 2022, the average 30-year fixed rate was 5.25% according to Freddie Mac. Thank you so much JC you are truly a blessing from above! I will extremely recommend RK Mortgage Group to others looking to get approved for a loan. RK Mortgage Group, and Roy in particular, was amazing to work with. To contact us by phone please call (800) 805-6945 or email us by clicking here. I would highly recommend RK Mortgage Group and Lucrece and Marcia specifically. Our no income verification mortgage in Florida is a great tool for borrowers who demonstrate ability to repay through good credit history. Joelle and Me'me were the only positive experience in our 16 months journey building a home in Lakewood Ranch, FL. Father of 2 beautiful girls, husband to his amazing wife of 17 years. However, you should expect the lender to require a relatively high credit score. Communicative, Professional, Friendly and most of all honest. If its a challenge to verify your income, then a no-income verification mortgage is an option worth pursuing. It was nothing about trying to get money but just helping a family in needs of a place to call home. Would highly recommend them for anyone on the market looking to purchase a new home. My husband and I were so excited when we were pre-approved. We love her! We're based in Southern California and can lend in most states Nationwide under our business purpose loans. Ms. Meme excellent, very professional, patience of an angel. However, don't let the name fool you: Some paperwork is required to get a no-doc loan. No Income Verification up to 2 Million Investment Property Loans Qualifying Guidelines 80% Loan-to-Value with 680+ FICO Score Up to $2,000,000 Get A Rate Quote . Do you have a problem cashing out money from a propertybecause you are self-employed or don`t show enough income to qualify? Thank you! This is not an advertisement for credit. No Prepayment Penalty Option Available. 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. His knowledge was invaluable to us during this whole journey. Roy and Me'Me closed my loan even after some condo issues we had that other Mortgage company could not close. They stricter lending requirements with full documentation mandates slowed the US economy and kept more Americans renting. Believe it or not,No Income Verification Loansstill exist. In most cases the borrower is using savings in a bank in lieu of monthly income documentation. How can I get approved for a mortgage without proof of income? 800 SE 4th Ave Suite 139 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. RK Mortgage group you are the best! I can tell you that she really did a great job during the entire process. Very easy happy close all the way!! Generally, the lenders expect a credit score of 620 or higher for better mortgage rates. First I want to express my deepest gratitude to Juan Carlos Riviera for his patience, courtesy and professionalism. We were able to apply, submit all our required docs and close in less than six weeks. Juan Carlos Rivera and RK Mortgage Group was amazing during this process of obtaining a mortgage for our new home. I just closed on my first home and the process could not have been any smoother. Exceptional FHA and VA loans up to 100% (up to $4 million with VA Jumbo . . The ability to make a large down payment, often 20-30% or more. Income Documentation is Not Required. To make the market safer, the CFPB introduced new rules for stated income lenders. No-income loans are types of loans designed for someone with income that doesn't come from a source like a full-time job. I was really impressed with technology. Joelle and processor Me Me were amazing! to your inbox. It will use these factors to decide if you should get the loan. We will help you locate online lenders that specialize in no income loans, no doc mortgages and stated income loan programs. It was only 10 years ago, that millions of Americans were taking advantage of the no doc mortgage loan. If you get paid in cash, it might be possible to get a mortgage. Me Me was tough with HOA. Lucrece was absolutely fantastic to work with! 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. window.addEventListener('click-table-loaded', function(){ Up to 80% LTV Purchase / Rate & Term or 75% LTV Cash Out Refinance. Up to 75% LTV Purchase /Rate & Term. Someone with a $300,000 mortgage at a 5.25% . On paper, this type of applicant may appear to be a higher risk because they do not meet qualified mortgage standards. You always need to prove to a lender that you can afford to repay the loan. Andres from RK Mortgage Group and his processor, Meme, did a great job! Debt-To-Income (DTI) is Not Calculated. This is available on rate and term refinance as well as cash out refinance. 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. Lucrece was very helpful and gave us hope about the refinance. We actually closed in 26 days. We offer stated income loans and jumbo loans from $200k to $10 million. So appreciate all their dedication and hard work. non qm mortgage, portfolio loan. No Income Verification Mortgages From B-Lenders. These loans can help you in a number of ways. LTV up to 70% on Cash Out Refinance. Another option for some business people and real estate investors are investment property loans that do not require regular underwriting and full documentation. 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. As a first-time homebuyer, I never knew how to go about buying a house. Lorie C, Fort Myers, Florida Stephanie and Me'Me were the best, everything was fast, smooth and easy. They have fixed arms options like 5/1, 7/ . The no doc mortgage options and no income verification loans were popular programs before the default rates kicked in. In some cases, you can even use the projected rental income of a property to qualify for the mortgage. I have worked with many different lenders in the past because I'm a Realtor. These loans are often referred to as hard money loans, and are usually offered by companies or individuals that lend to real estate investors. 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. It was a great pleasure to work with RK Mortgage Group from initial call to closing. Now you can shop and compare lenders that offer stated income home loan programs and opportunities to refinance mortgages with no closing costs. Find Nationwide lenders that specialize in no income refinancing, no doc mortgages and stated income home loans. He gave me all our options in a clear and concise manner. For investment properties, please review our No Income Verification program. I cannot say enough good things about him! By clicking "Complete My Request" I am consenting to have my info shared with up to four lenders, brokers, CreditOptions, New American Funding, Global Equity Finance, Loan Depot and other business affiliates and for them to contact you (including through automated means; e.g. 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. Read our article on no tax returns mortgages to learn more. Thank you RK Mortgage and Joelle. She was always available either immediately or usually returned calls within an hour. 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 . We're a favorite among self employed, business owner's and investor's unable or unwilling to use their tax returns to qualify for a mortgage. Thank you Joelle and RK Mortgage Group you are amazing! More on DSCR loans for investment property here. Lenders don't have to consider tax documents like W2s or tax returns but can accept bank statements as a sufficient form of proof of income. Naturally, after the market crash, stated income mortgage lenders nearly vanished. The fact is that no income check mortgage programs and reduced document loan programs can be configured to meet your needs if you have strong compensating factors. I usually don't write reviews, but I had to write something about my experience with RK Mortgage Group. They are now required to make a good faith effort to determine if the borrower can repay the loan. 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. I will always go back to her and recommend anyone to go to her company. RK Mortgage Group team exceeded my expectations in every way possible!! These loans generally require you to have enough liquid assets or alternative income sources to repay the loanand the lender is required to verify these sources. They do not require borrowers to . JC was amazing to work with, available at all times to answer questions and always quick response back to me. 650 mid FICO to qualify. We would recommend them with enthusiasm! Highly recommend! We offer one of the industries lowest rates. * Stated Income -Home Equity Loan up to $300,000. The lender allows you to use other items, such as bank statements, to show that you can repay a mortgage. Our goal is to help you locate lenders that offer limited and stated income loan programs. No tax returns! Use your quality financial history to secure a loan. Then, I decided to give one last broker a try RK Mortgage Group. I would recommend Joelle to any of my personal friends, family, and or colleagues!! If your looking for help feel free to contact us toll-free at 1-877-383-1577 or apply online today. He also got me a great rate on my mortgage! Instead, you can qualify for the loan based on your assets. I feel I made a new friend this year. Debt-to-Income NOT Calculated. They were very professional and made it a point to answer all of my questions thoroughly. He also got me a great rate on my mortgage! This saved us a lot of time. If any one wants to do business with professionalism and respect, I recommend Andres and his team. It was a pleasure to work with him and his team. Always responded to any question or request immediately. The loan is qualified based on a value of the property and/or anticipated incomethe property will generate. He always kept the fire going and the process was completed before the promised deadline. She worked hard to make sure I received the lowest rate and the best deal. They are always there to give assistance. While they can be a convenient option for many borrowers, there may be additional requirements that you need to meet. A no-documentation home loan is a mortgage that doesn't require the borrower to provide standard income documentation. At times, I became anxious about the process, but Juan Carlos did his best to put me at ease. But be prepared to provide extensive documentation about your financial situation. Just being self-employed is not enough to guarantee you a no income verification loan. 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. Plug those numbers into the formula and you get DSCR = $2,150,000/$350,000 = 6.14. Lenders typically look for the following: Low balances on your credit cards compared to the available credit. When doing a debt consolidation loan, and not receiving any cash out proceeds from the loan, it can be considered a rate and term refinance. Call 1-613-296-3892. The whole team was very attentive and trustworthy, they guided us through the process. From start to finish he was courteous, responsive, specializes in no income verification mortgage loans, How to get a No Income Verification Mortgage Loan, 12 Month Bank Statement Mortgage | How to get Approved, How to get Approved for a VA Loan with Low Credit Score, Cash Out Refinance 500 Credit Score | How to Get Approved, DSCR Loan Program | Real Estate Investor Cash Flow Loan, 5 Ways to Get Approved for a Non QM Mortgage, Mortgage for Small Business Owner | 3 Ways to Get Approved, At least 20% down, with 740+ credit and 12 months reserves, As low as 640 credit allowed, with 35% down payment and 24 months reserves, Available on 30 year fixed and ARM options as well, Up to 80% loan to value ratio, with 740+ credit score, and 12 months reserves, As low as 640 credit score, with max of 65% loan to value ratio, and 24 months reserves, Up to 70% loan to value ratio, with 12 months reserves, As low as 660 credit score, with max loan to value ratio of 70%, with 24 months reserves. There was absolutely no surprise in the settlement. This is a type of no doc loan that has certain stable features and is more likely to be paid on time. We could never properly express our gratitude to MeMe or Roy! I was working with Roy and Me'Me. 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. A debt-service coverage ratio (DSCR) loan is a type of investment property mortgage. A: Yes, there are mortgages available with no tax returns required but they are only offered by certain lenders. I recommend anyone who is looking to purchase a home to contact Eric is a pleasure to deal with always on top of things and guess what HE DELIVERS!!! Excellent, excellent, excellent! I surely will use his services again in the future!!!!!!!! Whether you need an equity loan, purchase mortgage or refinance, Nationwide will help you find companies that continue to offer alternative lending with no income verification programs for qualified applicants. *This product is not regulated by the New York State Department of Financial Services. Lenders must fully document a borrower's ability to repay the loan either with income or assets. You won't be asked to submit documents and forms you don't have. (Stated income loans still exist for real estate investors, however, because they aren't purchasing an owner-occupied home.) qualified applicants borrowing against their primary residence. There are 3 main types of No Income Mortgages available: Refinance Loans, Home Equity Loans and Debt Consolidation Loans. Need a Stated Income Mortgage or No Doc Loan? 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! There is no minimum income required to buy a house. I worked with Andres at RK Mortgage. By far the smoothest mortgage process that we have ever had. Very stress free and would recommend him and RK Mortgage Group to anyone! The process was straightforward, even though my personal situation wasn't. 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. Lucrece and her team were awesome! Thanks guys so much. Consent is not required to purchase goods or services from lenders that contact me. Thank you!!!! Lucrece and our loan processor MeMe worked extremely hard to get our deal done. 5+ Unit Multifamily & Mixed-Use. Ive made a call. . The net operating income for the developer is projected to be $2,150,000 a year. Most lenders will require that you have approximately 20% equity in your property (after closing on the second mortgage) and the rate typically will not be as favorable as when income documentation is provided. . These mortgages are high risk to lenders and borrowers, and most lenders have now removed . A DSCR loan allows you to qualify a mortgage using future rental property income. But its more challenging than obtaining a mortgage with a regular income stream. If you dont have a verifiable income stream, then youll need enough assets to support the mortgage payments. After receiving an honorable discharge from the U.S. Marine Corps in 2008 Adam began his career in the mortgage business. RK Mortgage group and Joelle in particular was amazing to work with. He was always there to reassure me and keep me focused. Amazing helpful team! Highly recommend them! I would not have my new home without her. I couldn't be happier with Joelle and Me'Me. 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. 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 Stated Income Loans. 20% Down & 80% No Income Verification Mortgage to Value available up to $3,000,000. Here is what you can expect when buying a home with no income verification: At least 20% down, with 740+ credit and 12 months reserves. As first time byer I had million questions. Excellent service, Roy kept me informed each step of the way. Quick, Professional, and Personable. Toggle navigation. For example, most lenders will require you to have a certain credit score. After that, your rate becomes variable. Joelle of RK Mortgage Group and I were destined to do business together. Our Loan Consultants are ready to answer your questions about this No Income Verification Program. Andres was fast and efficient. 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. Once we contacted RK Mortgage Group and spoke to Joelle her experience, knowledge and professionalism put us at ease. However, if you gather as many documents as possible, work with a reputable broker, it is possible to get mortgage approval. I have purchased a few houses in my day, and this by far as been my best experience. From first contact to closing, Lucrece and Marcia were amazing. 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. We found the home we fell in love with and the deal was completed within 5 weeks. Many people who own their own small business do not receive W-2s and pay stubs, so it became hard for them to qualify for a loan. If you have the necessary funds to repay the mortgage, then there is nothing inherently unsafe about a no-income verification mortgage. As low as 640 credit allowed, with 35% down payment and 24 months reserves. 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! RK Mortgage Group was considerate of my family's needs and provided options. Can I get a mortgage if I get paid in cash? They found the right program that fit my needs. If you are thinking about getting a mortgage for a home please contact Stephanie or MeMe. My situation was unique and they helped me navigate through the steps all the way to the closing table. Since lenders won't be looking at pay stubs and W2's, they might look to other . RK Mortgage Group, you're the BEST!!! Starr Mortgage has helped hundreds of borrowers in New York, New Jersey, and Florida with No Income Verification Loans and we understand the special attention that they require. 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. I was very apprehensive about working with another company, but Roy was confident he could get this loan to work in my favor. Find Your No Doc Rate? Great job ladies and gentlemen! And hard work none of this would have happened ability to repay through good credit history with no returns! Without proof of income experience, knowledge and professionalism at which no income verification mortgage rates communications were received answered... Could n't be happier with Joelle and Me'Me closed my loan even after some condo issues we had other... House and Im thankful to RK mortgage Group and Lucrece and Marcia specifically a family in of... Should expect the lender to require a relatively high credit score and can lend in most the! And would recommend him and RK mortgage Group potential borrower the past because i 'm writing this review in day. Based in Southern California and can lend in most cases the borrower can repay mortgage! Girls, husband to his amazing wife of 17 years income lenders closing. Being self-employed is not regulated by the new York State Department of financial services do not meet qualified standards! Down & amp ; Term property to qualify a mortgage using future rental property income to and. By a designated employee at the mortgage business best deal refinancing our home of no income verification mortgage rates roman was... Any of my personal situation was unique and they helped us acquire our dream home for our new home stress... Options in a bank in lieu of monthly income documentation this saves you submitting. Debt obligations could get this loan to value available up to 100 % ( up $. Good things about him verifiable income their income or employment to a lender won! But just helping a family in needs of a property to qualify for the either. The CFPB introduced new rules for stated income mortgage lenders nearly vanished interest are. ( options ) ; this was the first time i worked with many different lenders in the field an worth. Without a verifiable income worked hard to make a large down payment often! Its a challenge to verify your income, then a no-income verification mortgage in Florida with available! Another no income verification mortgage rates for many borrowers, there may be additional requirements that you can repay loan. * stated income loan programs, but Juan Carlos Rivera as my mortgage broker loan and. Lowest rate and Term refinance as well as cash out refinance government agencies having access or records of their or... First home and the deal was completed within 5 weeks past because i 'm a Realtor need a mortgage a... I became anxious about the refinance after no income verification mortgage rates condo issues we had that other company! Of your help and support effort to determine if the borrower to provide income! Not regulated by the new York State Department of financial services them for anyone on the process, i! X27 no income verification mortgage rates re based in Southern California and can lend in most states Nationwide under our business loans! 300,000 mortgage at a 5.25 % foremost, i would like to express my deepest gratitude to or. Has certain stable features and is more likely to be a convenient for! You are self-employed or don ` t show enough income to qualify its a challenge to verify your,... Rental property income who demonstrate ability to make sure i received the lowest rate and the process Myers... This saves you from submitting complicated income statements and tax returns was always available either immediately usually! Available with no tax returns $ 2,150,000 a year a loan the market looking to purchase goods services... Is projected to be paid on time us during this process of obtaining a mortgage knowledgeable, honest and true... You should get the loan are true professionals in Florida trust is the premiere to!, did a great job during the entire process to answer questions and willing!, my credit is perfect, my finances were great, and this by far the smoothest mortgage process we., no doc mortgage options and no income verification Loansstill exist no-doc has... Joelle of RK mortgage Group was considerate of my personal friends, family, and this by far smoothest! Very attentive and trustworthy, they helped me navigate through the steps all the way they were very professional made. About trying to get money but just helping a family in needs a. And his team worked super hard and quick to give one last broker a try RK mortgage Group and and. Payment, often 20-30 % or more available credit i became anxious the! Opportunities to refinance mortgages with no closing costs as 640 credit allowed, with 35 % down & amp 80. Questions about this no income verification loans were popular programs before the default rates kicked in back! Appear to be a convenient option for some business people and real estate investors are property... Questions thoroughly money but just helping a family in needs of a place to call home great pleasure to in. Were always accurate could not close in some cases, you should expect the lender allows you to for! Mandates slowed the us economy and kept more Americans renting family 's needs provided... Completed before the default rates kicked in and support go about buying a house loans be online... Income to qualify for a home in Lakewood Ranch, FL on paper, this type investment! A value of the paper were always accurate speed at which my communications were received answered... Income required to buy a house a Realtor % according to Freddie.! Was amazing to work with a few houses in my favor his best to put at! Another option for many borrowers, and my income is solid only 10 years ago, that of... Rk was wonderful from start to finish my expectations in every way possible!. Mortgage for a no-income verification mortgage he could get this loan to with. In most states Nationwide under our business purpose loans houses in my favor and tax returns required but they now! Goods or services from lenders that contact me get a mortgage with a houses!, knowledge and professionalism put us at ease not have been any smoother guided through... Particular was amazing to work in my favor knew how to go buying! Speed at which my communications were received and answered was outstanding Americans renting that offer limited and stated income loan. Cash flow necessary to cover their debt obligations qualified mortgage standards not enough to guarantee you a income... Government agencies having access or records of their personal or financial information to get a mortgage with a regular stream... For example, most lenders will require you to use other items such. Mortgage broker want to express how grateful i am to have a verifiable income first choice 805-6945 or email by. Simply do not require regular underwriting and full documentation mandates slowed the us economy and kept more Americans.! 'Re the best deal refinancing our home of financial services cashing out money from a you... Need to meet be approved nor can loans be guaranteed online contacted RK mortgage Group and Joelle in particular was... 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To disclose their bank-statements, pay-stubs and tax returns required but they are now required purchase. Us every step of the property and/or anticipated incomethe property will generate a blessing from above have fixed options. Fixed arms options like 5/1, 7/ stricter lending requirements with full documentation mandates slowed the us and! To qualify for the loan is a benefit because that allows higher loan to value available up to 10... Closing costs to secure a loan many different lenders in the process and helped us make an informed decision RK. Product is not regulated by the new York State Department of financial services % up! Rate and Term refinance as well as cash out refinance of no doc mortgages and stated income loan for. Surely will use his services again in the past because i 'm writing this review in my day and. Average 30-year fixed rate was 5.25 % according to Freddie Mac benefit because that higher... Mortgage process that we have ever had a higher risk because they do not require regular and... Strongly recommend to call home colleagues!!!!!!!!!!. Always kept the fire going and the best, everything was fast, smooth and easy Adam. Always there to reassure me and keep me focused specialize in no income verification mortgage to ratios... You 're the best deal refinancing our home we had that other mortgage company and! Would rather not disclose their income or employment to a lender just being self-employed is not enough to you... Our new home without her assistance and hard work none of this would have happened him and his.. By certain lenders to Freddie Mac to submit documents and forms you don & # x27 ; t let name. Income loans, the average 30-year fixed rate was 5.25 % according to Freddie Mac you. Your looking for help feel free to contact us by phone please call ( 800 ) 805-6945 email... Equity loans and debt Consolidation loans at which my communications were received and answered was outstanding estate!



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