Non-FICO Based / No-Documentation Loans

A No Documentation loan requires no employment, income, or assets to be stated on your loan application. We do not verify any information beyond your credit profile and the value of the property. This is the product of choice if your asset or income is difficult to verify or if you simply do not want the "hassle" of traditional mortgage documentation. Most of our loan programs offer a no documentation option.

Our Non-FICO based program options allow us to approve your loan without pulling your score. The loan rates and loan amounts are determined primarily by your mortgage payment history. So, if you have a strong positive payment history of your mortgage, but have missed payments or been in bankruptcy, you can obtain a mortgage with an interest rate better than if the underwriter is using only your FICO score.

Complete this form to receive your free instant quote. Please fill in all the required ( * ) fields below and click the submit button Applicant Information First Name* Last Name* Address* Address 2 City* State* --Select One-- Alabama Alaska Arizona Arkansas California Colorado Connecticut Delaware Washington DC Florida Georgia Hawaii Idaho Illinois Indiana Iowa Kansas Kentucky Louisiana Maine Maryland Massachusetts Michigan Minnesota Mississippi Missouri Montana Nebraska Nevada New Hampshire New Jersey New Mexico New York North Carolina North Dakota Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Vermont Virginia Washington West Virginia Wisconsin Wyoming Zip Code* Email* Best Phone To Reach You* Alternate Phone* -- -- Loan Information Loan Purpose* Refinance - Lower Rate & Payments Debt Consolidation Home Improvement Cash Out Second Mortgage New Home Purchase Construction Home Equity Line of Credit 125 Home Equity -- Select One -- Loan Amount* Property Value* $10,000-$19,000 $20,000-$29,000 $30,000-$39,000 $40,000-$49,000 $50,000-$59,000 $60,000-$69,000 $70,000-$95,000 $96,000-$109,000 $110,000-$139,000 $140,000-$159,000 $160,000-$210,000 $220,000-$249,000 $250,000-$300,000 $310,000-$370,000 $380,000-$450,000 $460,000-$499,000 $500,000-$550,000 $560,000-$590,000 $600,000-$700,000 $710,000-$800,000 $810,000-$900,000 $910,000-$999,999 $1,000,000+ -- Select One -- $50,000-$99,000 $100,000-$130,000 $140,000-$159,000 $160,000-$189,000 $190,000-$210,000 $220,000-$249,000 $250,000-$280,000 $290,000-$320,000 $330,000-$360,000 $370,000-$400,000 $410,000-$450,000 $460,000-$500,000 $510,000-$550,000 $560,000-$600,000 $610,000-$650,000 $660,000-$700,000 $710,000-$800,000 $810,000-$900,000 $1,000,000+ -- Select One -- Property Type* Credit Rating* -Select One-Single FamilyCondoMobile-homeMulti-unit Select OneExcellentGoodFairPoor What is the balance of your current mortgage?* Do you have a Second Mortgage?* Yes   No If yes, what is the balance of the second mortgage?* How do you want to obtain the loan?* Use first mortgage Use current second mortgage or a new second mortgage Not sure How much cash do you want out of your home not including your current loan payoff amount.* Your privacy is very important to us. We do not sell or share your information with third party marketers. We only share your personal information with companies involved in the loan process such as appraisers or title companies. We only send you email communications during the loan process as necessary to complete the transaction.