No Doc Loans:
The No-Hassle Mortgage for Unique Borrowers
Tired of the paperwork and red tape? Whether you’re self-employed, an investor, or just can’t verify your income the traditional way, No Doc Loans may be your solution. With no income verification, no employment check, and no tax returns required, these streamlined loan options offer freedom and flexibility for real-world borrowers.
Credit
Score
Loan-to-Value (LTV) Ratio
Liquid Asset Reserves
Available for:
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Primary Residences (Owner-Occupied)
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Second Homes
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Investment Properties (Non-Owner-Occupied)
Why Choose a No Doc Mortgage Loan?
No Income Verification
Forget tax returns, W-2s, or pay stubs. No income verify mortgages offer a paper-light process.
No Employment Verification
Your job history isn’t a factor. Perfect for entrepreneurs, freelancers, and business owners.
Fast Funding (2-3 Weeks)
No Doc Loans close quickly—so you can move fast on purchases, refinances, or cash-out deals.
Competitive Rates
With strong credit (typically 720+), you’ll access rates that compete with full-doc loans.
Flexible Terms
Choose from a 30-year fixed or an interest-only loan option to match your strategy.
Use No Doc Loans For:
- Home Purchase
- Rate-and-Term Refinance
- Cash-Out Refinance
You deserve options that work for you—not against you. Don’t settle for traditional programs when No Doc Lenders offer fast, flexible, and fair alternatives.
If you’re hungry for more insights, be sure to check out our other blog posts and subscribe to our YouTube channel for even more tips and tricks.
Call HomeLife Mortgage now and let us help you get pre-approved now!
Our Commitment to Excellence
At HomeLife Mortgage, our dedication to excellence is evident in the success stories of our clients. We pride ourselves on delivering top-tier service and financing solutions that meet our clients' needs. But don’t just take our word for it—hear it from those who matter most: our clients. Our Trustpilot reviews reflect our unwavering commitment to helping you achieve your homeownership and investment goals.
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The Ultimate Guide for DSCR Rental Loans eBook
Download our free eBook to learn the ins and outs of DSCR Rental loans and everything you need to know to apply and qualify for your loan.
More Content For You:
Investment Property Mortgage Rates and Loan Requirements 2023
Why No-income Doc Rental Loans are Fast and Easy
How to qualify for a No-doc Rental Property Loan
Questions?
Click the live chat window on our site or call (888) 677-2526. Our team is ready to assist you!
About HomeLife Mortgage
For more than 25 years, HomeLife Mortgage has built a strong reputation in California and Florida as a leading mortgage broker, servicing the needs of borrowers who have been unable to obtain conventional financing. HomeLife Mortgage is at the forefront of non-bank lending offering the next generation of mortgages including Jumbo Loans, Real Estate Investor Loans, and Bank Statement Loans.
