Are you…self-employed, working at home, a small business owner, on a commissioned income or retired?

Our low documentation loans liberate you from financial interrogation, and for a modest increase in rate, let you qualify for that dream home with as little as an appraisal, a credit score and employment verification! You can choose to:

• State your income and your assets, without income verification (No Income Verification Loan) or
• State/Verify your assets but not your income (No Ratio Loan) or
• State your income and assets (Stated Income, Stated Asset Loan)
• State/verify neither your assets nor your income (No Income, No Asset Loan)

Easy and flexible loans

Perfect for borrowers with terrific credit but limited assets, or borrowers who have accumulated greater assets than their current income might suggest. Also a great solution when a co-borrower’s income is not easily verifiable.

Low Down Payments.

Trying to purchase a home or a vacation property, but have limited funds for a down payment? No problem. With this type of loan, you’ll have the advantage of a low down payment and you may have the option to receive cash back to consolidate debt.

Available on non-traditional properties,

Such as vacation homes and many condos. Plus, self-employed, salaried, retired borrowers, and Permanent and Non-Permanent Resident Aliens are eligible! Programs feature fixed and adjustable rates, and allow a 2nd mortgage with high loan to values when you combine the 1st and 2nd mortgage.