No Doc Loans

"No Doc" Loans are Now Considered Hard Money and Private Money

"No Doc Loan" is the term that most people used to describe Stated Income Loans, No Income Loans, No Ratio Loans and other Reduced Documentation Loans for the self-employed. There have been dramatic changes in mortgage lending since early 2007 and we do not offer any of these loans at this time.

If you absolutely need a no doc loan for either a commercial or residential mortgage then your best bet is a hard money lender. Hard money lenders will typically require you to have 40% or more equity in the property, charge high rates and high fees, but they can usually get the loan funded.

Please fill out a contact form and put "hard money" in the comments section if you need a referral to a reputable hard money specialist.

We are offering business owners 10% down payment commercial loans and The Green Choice Loan™.