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No Doc Loan, Purchase a home it's Easy!

Need a Purchase Loan but you don't want to show your income? Don't worry, if you don't want us to know your income, that's ok with us. We have a wide variety of programs that range from a Stated Income Loan to a No Doc Loan. For a purchase money mortgage, let us help you compare the programs to determine which loan will save you the most money while you own your home.

We offer a variety of loans that can help you buy a home, regardless of your income situation, whether you are self employed, retired, between jobs, or un-employed, we can probably help you purchase your home.

Categories of Stated Income Loans & No Doc Loans are:

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Full Doc Loan

This loan program is the standard of the mortgage industry. If your income is easy to document and your downpayment and reserves have been sitting in your bank for at least 3 months, then this is the best choice. We verify your income with your recent 30 days paystubs and recent 2 years w-2's or your recent 2 years federal tax returns. If you provide your tax returns we look at your "adjusted gross income", if that looks a little low, you might consider the stated income programs.

Low Doc Loan or Alt Doc [include bank statements]

This loan program can allow you an equivalent rate as a full documented file, all that is required is that you provide your last 6-12 months bank statements, instead of providing your tax returns or W-2's and paystubs. This is an excellent program for the self employed borrower who has good income or cash flow, but when it comes to verifying his income with tax returns he writes off most of his income.

Stated Income Loan with Verified Assets SIVA

With this loan we state your income without providing any income tax returns, no paystubs, no W-2's, then we verify your savings with bank statements. Verifying savings can help compensate for the lack of income documentation. If you have good savings but don't want to show your income [for whatever reason] this program might work well for you.

Stated Income Loan with Stated Assets SISA

This loan program gives plenty of flexibility, in that if you don't want to show your income or your bank statements, you just state what your income is, and you state what your bank account balances are, and we believe you. This loan requires that at least you mention your employment and the banks that you bank at, but requires NO verification of your income or your bank accounts. This is what has been called the Easy Doc Loan, because it is a fast easy loan.

No Income Verified Asset - NIVA

This loan program requires that we mention your employment but we do not have to mention an amount of income. We mention the bank accounts and we verify the balance with either a verification of deposit [verifying 2-3 months average balance] or you provide 3 months bank statements. The amount of income is left blank. This program sometimes is better priced than the NINA, therefore allowing you a lower rate and/or cost. If you don't mind verifying your downpayment and reserves then this program might save you money.

No Income No Asset - NINA

This loan program requires that we mention your employment but we do not have to mention an amount of income. we also have to mention the bank accounts that you have but we don't have to mention how much is in the accounts. The amount of income and assets is left blank. I think that makes for a pretty interesting loan. It works well, and helps thousands purchase homes every year and accomplish their dreams of owning a home.

No Doc Loan

This loan program is even easier than the others, in that it is truly a No Doc Loan, no income documentation is required and no asset documentation is required. That's not all, we don't even ask for any information on your employment and we don't ask for any information regarding your assets. That means those areas are left blank on the loan application. The file is extremely thin, all that is needed is the Appraisal, Credit report, and the disclosures. This loan is the easiest loan program of them all.

These loan programs are equivalent to the old days, when a person's word was good. If you said you were going to pay a person back, they felt confident that you would. With these loans we pretty much just shake your hand and give you the loan and trust that you will pay us back.

Let us help you with your refinance. If your income doesn't look good on paper [meaning your tax returns, W-2's or paystubs don't look good] you should try our No Doc Mortgage or Stated Income Loan. For a fast easy loan complete our Apply Online loan inquiry today. We look forward to helping you.

Atlantic Security Financial (800) 644-5363 direct or (661) 286-1450 * (650) 475-5655 fax
24307 Magic Mtn Pkwy 106, Valencia, CA 91355

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