Providing personal online mortgage service since 1987, a California home loan specialist

Rand Miller

(800) 644-5363

A Stated Income loan is a fast easy loan because there is less paperwork.

The Stated Income home loan is the best choice for the self employed who earn their income as undocumented cash.

No Income Verification Loan is also a good choice for a person who has sporadic income like an actors income.

A No Doc Mortgage loan in many cases can work well with an unemployed borrower or a person in between jobs.
The No Doc Home Loan is also an easy loan for bad credit.

A No Doc Refinance can make make for a fast easy loan.

An easy loan is the Stated Income Loan it requires less paperwork, not income tax paperwork or bank statements.

No Doc Refinance Made Easy!

Stated Income Loan or No Doc Loan? If you don't want to show us your income or can't, that's ok. We offer a variety of loan programs that range from the Stated Income Loan [you just tell us your income and we accept it] to No Document Loan [we don't include any verification of income or assets, that means no employer listed and no bank accounts listed].

You may be surprised, the rates are actually very good, in many cases lower than rates offered by other standard market full document loans. Just complete our Online Application and let us begin saving you money with a low rate mortgage.

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

Categories of Stated Income Loans & No Doc Loans are:

Easy Home Loan or Limited Document Loan - 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 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 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 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 refinance every year and accomplish their financial dreams.

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 think, 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.