(No Doc) Mortgage

What Is No Documentation (No Doc) Mortgage?

The term no documentation (no doc) mortgage refers to a loan that doesn’t require income verification from the borrower. This type of loan is instead approved on a declaration that confirms the borrower can afford the loan payments. No doc mortgages are commonly given to those whose incomes aren’t easily verified. Largely unregulated, these loans are mainly based on the resale potential of the secured property and the repayment structure of the mortgage.


  • 30 Year mortgage
  • 7% interest Rate
  • No income verification
  • No Seasoning
  • Does not report to credit
  • 70% LTV on cash out refinances
  • 75% on rate/term refinances
  • Purchases up to 80% LTV
  • Minimum 680 credit score
  • 1-4 family, condo & VRBO properties
  • Property Appraisal
  • Monthly Operation cost
  • Monthly Rental Income
  • All 50 States

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