No Doc Loans


  • Quick and Easy Financing with Less Documents also known as "No Doc".


    Self-employment, changing careers, and complex tax returns shouldn't be a barrier to purchasing or refinancing a property*. You may be well qualified, but may still not wish to furnish the income, asset or employment information typically requested with a loan application. Some Flexible documentation such as stated income, no doc or lite doc options may be beneficial in these cases.

    No Doc Options include:

  • Stated Income


    - Income is stated on the application but not verified. Assets are verified which is usually 2 to 6 months depending on the program.

    More Info

  • No Ratio


    - Income is not disclosed nor verified, but assets and work are verified. Best for affluent clients with complex finances and those with high debt to income ratios; retirees who live off investments, and people whose finances are in transition because of divorce, recent death of a spouse or career change.

  • Stated Income / Stated Asset

    - Income and assets are stated on the application but not verified. Best for those who work, but don't wish to disclose that documentation. This includes self-employed people or those who earn significant commissions and/or bonuses.

  • NINA - (No Income /No Asset)


    - Income and assets are not disclosed on the application nor verified. Ideal for credit worthy people who want maximum privacy.

  • No Doc - (No Income/No Job)


    - Income and Job information are not disclosed on the application. Assets are verified. Best for those in between jobs or recently changed from employed to self-employed or vice-versa.

  • No Doc - (No Income /No Asset/ No Job)


    - Income, assets, and job information are not furnished on the loan application.   This is a "True No Doc Loan"