Andres Taillepierre and his team worked super hard and quick to give us the best deal refinancing our home. She was always available either immediately or usually returned calls within an hour. This was the first time I worked with Joelle. I was applying for mortgages for my dream home in Florida. This can be appealing for self-employed individuals or those who have fluctuating or hard-to-verify income. No Income Investor Loan Key Loan Features. Thanks! Through complications on the closing of my previous home and new turns and twists in the purchase of our new home, Joelle and Me'Me were there through it all to make sure things closed. Purchase, Rate/Term and Cash-Out Refinance Loans $150k to $3 Million (Commercial is Higher) Fixed and ARM's 650 Min-FICO 80% Max LTV (depending on scenario) . No income verification No tax returns 30-year terms. Great job RK team! Thanks again, and we definitely recommend Lucrece and her team! We are a Top Leading Mortgage Broker that Specializes in No IncomeVerification Loans. I will continue to recommend this company to everybody I know in search of a mortgage that expects a pain free, professional experience. Low Rates. Just refinanced with JC and Me'Me. Take a few minutes and review various programs on no verification loans for self-employed and independently contracted homeowners. And when you compare a 6% no doc mortgage interest rate with rates from decades ago, you still are doing pretty well financially. It was a great process. These loans carry high interest and are offered to investors based upon the value of the property. Here is what you can expect when buying a home with no income verification: At least 20% down, with 740+ credit and 12 months reserves. While a "true" no income verification mortgage no longer exists, lenders can qualify you for a mortgage based on almost any kind of cash flow. Roy/Me'Me made my dreams of becoming a homeowner again possible. He is a well disciplined and well-mannered and is the best representation for any mortgage company. Someone with a $300,000 mortgage at a 5.25% . You need to have an IRS 1099 or be retired, but with a steady income. But a bank statement loan is designed to provide the lender with a way to verify that the person has enough income to pay the loan. They worked diligently to ensure the process was efficient and stayed in touch each step of the way. A B-lender will allow self-employed, commissioned and people earning tips to qualify up to 75% and in some cases 80% (with an in-house product) to refinance, get a home equity loan, or purchase a home with stated income. Great Job thank you. })(); Get the latest housing market news and expert analysis delivered straight to your inbox. They have fixed arms options like 5/1, 7/ . A phone . I will always go back to her and recommend anyone to go to her company. If possible, aim to get your credit score above the 700 mark. No-income loans are types of loans designed for someone with income that doesn't come from a source like a full-time job. Adam responded to emails "We can't say enough good things about Adam. Everyone we dealt with through her office was very professional and friendly, but we love Joelle, and after all the back and forth with her though out this process, consider her a friend! Highly recommend for anyone seeking mortgage assistance. This saved us a lot of time. A no-income-verification mortgage does not require the borrower to provide the lender standard proof of income documents, such as pay stubs, W-2 forms and tax returns. We greatly appreciate the effort and time that RK Mortgage professionals put into our loan process. When considering a no income loan, it makes sense to take some time and review the lenders and brokers that you are considering. Strongly recommended! Our loan officers work with lenders that specialize in no income-verification loans with the type of flexible underwriting policies to overcome financing challenges. Up to 80% LTV. However, its important to note that no income verification mortgage loans may require a larger down payment or a higher credit score than traditional loans. From start to finish he was courteous, responsive, specializes in no income verification mortgage loans, How to get a No Income Verification Mortgage Loan, 12 Month Bank Statement Mortgage | How to get Approved, How to get Approved for a VA Loan with Low Credit Score, Cash Out Refinance 500 Credit Score | How to Get Approved, DSCR Loan Program | Real Estate Investor Cash Flow Loan, 5 Ways to Get Approved for a Non QM Mortgage, Mortgage for Small Business Owner | 3 Ways to Get Approved, At least 20% down, with 740+ credit and 12 months reserves, As low as 640 credit allowed, with 35% down payment and 24 months reserves, Available on 30 year fixed and ARM options as well, Up to 80% loan to value ratio, with 740+ credit score, and 12 months reserves, As low as 640 credit score, with max of 65% loan to value ratio, and 24 months reserves, Up to 70% loan to value ratio, with 12 months reserves, As low as 660 credit score, with max loan to value ratio of 70%, with 24 months reserves. This gives them an asset-based "income" of $3,750 per month. Request a call backor email us your questions! I just want to say how thankful I am to have found Joelle Maximilien-Miller to do my loan. They answered all my questions and concerns in a nick of time. Thank you for the hard work. Are you getting declined from your current lender because you don`t qualify for a Mortgage? Provide documentation that shows your assets and income. We love her! I'd recommend them to anyone. This means your two most recent pay stubs, your most recent checking account statement, your current savings account statement, and your federal income tax returns from the previous two years. They educated my wife and myself on the process and helped us make an informed decision . A no-income verification mortgage refinance is a type of loan that allows borrowers to refinance their homes without having to provide documentation of their income. My situation was unique and they helped me navigate through the steps all the way to the closing table. Starting from the communications, rates and processing time, everything was on the top. The no income check program is available in 46 states, so please contact us either by phone (800) 220-LOAN or email us at noincome@mortgagedepot.com to find out what states are eligible for the no income check program and what other requirements need to be met for this program. He kept constant contact with me on any updates throughout the process. Read our article on no tax returns mortgages to learn more. The first step is to provide your lender with copies of your records that indicate your income. Lenders must fully document a borrower's ability to repay the loan either with income or assets. Strongly recommend to call RK Mortgage for all your mortgage needs. I usually don't write reviews, but I had to write something about my experience with RK Mortgage Group. Category: Joelle and her team were absolutely amazing! Extremely positive and always responsive. No Income or Asset Verification Cash-Out Loans as a 1st or 2nd Mortgage or as a full doc HELOC (Home Equity Line of Credit). Keep in mind that these types of no doc or limited doc loans will still have more stringent lending requirements than in the past. I wish them lots of clients (not like me), luck and prosperity! Working with RK team was truly a pleasure. I look forward to working with them again next year for my refinance. Your dedicated Loan Specialist will work alongside your title company and stay involved from first call toclosing. And it was the best experience by far! They walked me step by step through the mortgage approval process. . Of course, having a good idea what the value of your house is very important for getting a genuine quote. Gift funds are not permitted, and loans . Me Me was tough with HOA. Lucrece was there for me every step of the way and even held my hand during several meltdowns. Rates Starting at 7.46%. We were buying a house that needed renovation in a neighborhood we loved. Thank you RK Mortgage! During this period, borrowers without a steady income and low credit could just state their income and get mortgage approval. Nationwide offers no cost home loan quotes for people seeking refinancing, home equity, purchase mortgages in the United States. Im not one who provides reviews but for this company Im really happy to do so. Me'me was my loan processor and was great also. 5 stars to Joelle and Me'me for the exceptional service and attention they provided during the process. I was referred to Roy at RK Mortgage because I was told he specializes in investment properties for self employed people like me. Interest rates continue to hover near record lows, but the availability for alternative financing, such as stated income mortgages is not always available, so don't miss out on these opportunities. So easy and straight forward to work with and was truly the simplest mortgage we have ever had! These loans generally require you to have enough liquid assets or alternative income sources to repay the loanand the lender is required to verify these sources. Borrowers hoping to get a mortgage with a non-traditional source of income have options. I found RK Mortgage on the internet, I did some research and gave them a call. I called Joelle in a panic, and she got me approved and saved my contract. My husband and I have been trying to buy a home for a very long time. I am now a homeowner. I am eternally grateful. JC is up front and honest person. I highly recommend RK Mortgage! JC was amazing to work with, available at all times to answer questions and always quick response back to me. She goes above and beyond for her clients. They are both very knowledgeable, honest and are true professionals. Roman Khodos a personable, helpful, knowledgeable and highly professional. No-income verification mortgages dont require proof of income. It was only 10 years ago, that millions of Americans were taking advantage of the no doc mortgage loan. I have worked with many different lenders in the past because I'm a Realtor. Being self-employed made it difficult to get a mortgage but, with the bank statement mortgage the process was a lot easier. Roy and Me'Me closed my loan even after some condo issues we had that other Mortgage company could not close. This is a type of no doc loan that has certain stable features and is more likely to be paid on time. A borrower with a good credit score can lock in a better rate than a fair credit borrower. Eric was always a phone call away to assist me with any questions.. (Lords knows I had a lot.) No Tax Returns. No income loan programs provide another layer of protection that many people desire to buy or refinance a house. While true no income verification mortgages no longer exist, lenders can qualify you based on almost any kind of cash flow. Exceptional FHA and VA loans up to 100% (up to $4 million with VA Jumbo . Thank you again!!! A no-income mortgage, sometimes referred to as a no-doc mortgage, is an option for borrowers with a non-traditional income stream or another source of assets. We shopped around with confidence and when we were ready, our team at RK made our dreams come true! The definition of "Above and Beyond". No Income Verification Loans. We really didn't think we would be able to refinance but these guys were able to make it happen. Truly a seamless transaction. I highly recommend working with this team to get the best rate and outstanding service! I would like to thank everyone who was involved with my loan from the beginning until signing. . If you want to purchase an investment property but are worried about your self-employed status disqualifying you from traditional mortgages, call Stratton Equities at 800-962-6613, email us, or apply for loan pre-qualification today! No income verification mortgages, also known as stated loans or reduced documentation loans, were popular in the early 2000s and offered a loan to anyone with a minimum credit score with no verification of income required. Highly recommend! These guys didnt miss single email, every phone call was answered and they brought me to closing with such an ease due to continuous and patient education. Our family is grateful for all your help in securing our dream home!! Funding from $75k to $5 million. See online home equity approvals as fast as 10 minutes. Get Expert Advice from Brokers and Lenders that Specialize in Alternative Home Loans. Loans require a 25% down payment and other underwriting considerations may apply depending upon the type of property. They were so great to work with, Joelle and MeMe, thanks again. They really work with you to get the best rates and to help you get into your own home. The key here is that your taxes should be filed and show that no money is . He was always available, competent, insightful and considerate. A high score can get you a low interest rate, while a low score can result in higher rates. She was always available to answer my questions, and she guided me through the entire process. (Stated income loans still exist for real estate investors, however, because they aren't purchasing an owner-occupied home.) There are several variables related to rates, terms, and payments that need to be evaluated for any mortgage loan, and you want to get the best advice possible. It was quite an experience with mixed feelings. Highly recommend this company!! As first time byer I had million questions. These loans are available with competitive interest rates and are typically five-year ARMs. They were very professional and made it a point to answer all of my questions thoroughly. Ms. Meme made sure we were happy with our mortgage experience. I really appreciate everything RK team did for me to finance my mortgage. No Income Verification Mortgage. No Income Verification mortgage program is a perfect fit for investors who don't qualify for traditional financing based on their tax returns. Thanks again for a great service. Would recommend RK Mortgage Group, and particularly Joelle, to anyone who is about to begin a wonderful and exciting journey of buying a home. Nationwide offers unique no income mortgage options on 1st & 2nd loan products. So you dont need a traditional income to qualify. 5+ Unit Multifamily & Mixed-Use. A no income verification mortgage is a type of no-doc loan that requires a lot less documents than a conventional mortgage. Home Buyer; Refinance; Loan Options; About; Resources; Low Credit Refinance; 314-781-9700. . Tips for Making the Best Garden Improvements for Your Home's Values. Thank you J.C. Rivera and RK Mortgage Group! But being self- employed doe have its setbacks, and for me this was one of them. Excellent, excellent, excellent! I was googling a mortgage company before purchasing my house and found RK Mortgage Group offering programs for self-employed borrowers. Loans available for purchase or refinance of investment or owner-occupied multi-family properties. They had all the needed documentation ready on time for the closing. No income verification loans on second mortgages are very . My husband and I have a very busy schedule at work but they were willing to stay after hours to help us. We're a favorite among self employed, business owner's and investor's unable or unwilling to use their tax returns to qualify for a mortgage. To qualify, you must deposit a 25 percent down payment for the total cost of the purchase transaction and obtain 65 percent Loan to Value (LTV) financing for refinancing. Thank you again. The problem came in where people could easily borrow cash temporarily to show they had 'reserves,' and could pay bills by using credit cards. I'm writing this review in my new house and Im thankful to RK Mortgage Group for this. However, youll need to have sufficient existing assets to repay the loan. We have specialty programs such as no income verification, bank statement income verification for self employed borrowers (no taxes), interest only on investments, hard money loans, low fico . It was a learning experience for us. I would not have been able to do this without the hard work that these ladies have put in, especially after hours, to ensure that I could finally celebrate owning my first home. He was very prompt on getting back to you and making what can be a stressful process very easy. She walked through all the steps with me. No-income verification mortgages, or no doc loans, dont require you to provide proof of a traditional income stream through W-2s or tax returns. For people who are self-employed, you can expect to bring only one year of profit and loss statements. Rather than requiring the person to submit tax documents, W-2s and pay stubs, lenders base the approvals for these limited doc loans on your bank statements and P&L statement from your company. Juan Carlos Rivera and his team we outstanding through out the entire loan process. However, if you gather as many documents as possible, work with a reputable broker, it is possible to get mortgage approval. If any one wants to do business with professionalism and respect, I recommend Andres and his team. In the end, Stephanie, MeMe, and the staff have contributed all their time and effort to help us realized our dream to have a house of our own. He provided EXCEPTIONAL customer service, answered my numerous questions and always kept me informed during the entire process. Today we cover everything you need to know about getting approved for a no income verification home loan. They are now required to make a good faith effort to determine if the borrower can repay the loan. Most lenders will require that you have approximately 20% equity in your property (after closing on the second mortgage) and the rate typically will not be as favorable as when income documentation is provided. The basic requirements for a no-income verification loan include: A credit score of 700 or higher. My transaction was completed in weeks, and when they said is done or, is really approve or done, they do not change the scenario down the road. Thank you RK Mortgage and Joelle. Lucrece worked with me through the entire process and was easy to work with. They were so friendly and kind to me, and I couldn't have closed without their help! Home Purchase | No Income Verification Loan. Her professionalism and strong work ethic make a big difference in the loan process. I had a very short time frame to close and they managed to get everything moving, especially in COVID! From start to finish Joelle was there for us guiding us every step of the way. Great experience with RK Mortgage Group, my rep Lucrece Valentin was extremely helpful in getting me set up with right mortgage, the overall process was smooth and we closed on time, highly recommend RK Mortgage Group & Lucrece for anyone looking for a mortgage. Fast and professional! RK Mortgage is an awesome company to do business with. I would recommend Joelle to any of my personal friends, family, and or colleagues!! I highly recommend them. She is very knowledgable about the mortgage industry and the various loan products that are available, She is also very responsive and goes the extra mile for her clients. Roman was always on hand to answer any questions we had. You, guys, did a great job! If you have the necessary funds to repay the mortgage, then there is nothing inherently unsafe about a no-income verification mortgage. Joelle and Me'me were absolutely wonderful to work with. Absolutely without question the best mortgage company we have ever worked with. The analysis conducted from day one for the submission of the paper were always accurate. No-Doc Loans offer extremely versatile qualifying guidelines coupled with flexible underwriting standard. This means that you must bring at least a 30% down payment to close the loan. It's no secret that mortgages with no income verification are not as easy to secure this year. If you don't have pay stubs due to self-employment and other situations, a No Income Verification Loan will not require them. If you dont have standard proof of income, like pay stubs and W-2s, then a lender might approve your mortgage based on other financial factors. I will continue to recommend this company to everybody I know in search of a mortgage that expects a pain free, professional experience. In some cases, cash reserves or other assets are enough proof for the lender. We highly recommend RK Mortgage Group. No Income Verification Mortgage Loans on Primary Residence, Second Homes and Investment Properties up to $3 Million., No income documentation Mortgages. People do not trust institutions to safely guard their data and many for good reason are terrified of identity theft. if (window.ClickTable) { . Thank you! Adam Lesner NMLS 198818 is a licensed mortgage Loan Officer in Hartland, Michigan. Your loan payments can be interest only payments. 5/1 ARM, 30-Year Fixed. Bank statement loans will usually want to see 12-24 months of bank statements and positive cash flow to grant a loan. Asset Seasoning only 30 days. Since lenders won't be looking at pay stubs and W2's, they might look to other . Purchased an investment property. No-doc . I had an issue with my other mortgage company that I had been working with and upon contacting RK Mortgage. Juan Carlos Rivera and RK Mortgage Group was amazing during this process of obtaining a mortgage for our new home. We always knew exactly what we needed to do during our refi process. Less Paperwork is paves the road for a smooth loan process. Lucrece was very helpful and gave us hope about the refinance. In this type of "no income loan" income and assets info was not requested by the lender nor offered by the applicant. Specialties: NMLS #322945. $1,000,000 + $350,000 = $1,350,000 total assets. . We found the home we fell in love with and the deal was completed within 5 weeks. Improve your credit score: A higher credit score can make you a more attractive borrower to lenders. Our no income verification mortgage in Florida is a great tool for borrowers who demonstrate ability to repay through good credit history. Lending in Continental United States. You won't be asked to submit documents and forms you don't have. They truly were with me every step of the way in the process. Both ladies were knowledgeable and took time to make sure all my questions were answers regardless the time of day. Thanks. Joelle of RK Mortgage Group and I were destined to do business together. An excellent job! You should have your financial life in tip-top condition if possible. . They helped us along the way. However, these are non-qualified mortgage (non-QM) programs, meaning they are controlled by individual lenders and not regulated by any government agency. Below, well take a closer look at this option. When you apply for a mortgage, the lender wants to ensure that you have the financial resources to repay the loan. Sometimes lenders call these bank statement loans or stated income loans. Getting to the closing table will not get easier than working with this great team. If you want to purchase a home without a job, youll likely need sufficient assets or another source of income to support the loan amount. Contact one of ourloan consultantsto learn more about this program. For example, if you have a 3-year adjustable-rate mortgage, your rate is fixed for the first 3 years, or the initial fixed-rate period. The Facts about No Income Verification Loans. A no-documentation home loan is a mortgage that doesn't require the borrower to provide standard income documentation. Talk to a lender: (866) 240-5121. I enjoy working with Joelle Maximilien-Miller. Many brokers and banks offer mortgages with unbelievable features, but they rarely end up closing the loan. Call for Terms and Pricing. There is no minimum income required to buy a house. Please inquire with lender for updated program qualifications that pertain to your state and your credentials. But these loan programs can be viable way to enter the housing market as long as you have an exit strategy. A no income verification home loan is a type of nonqualifying mortgage. Roy not only got the load approved, but I close on my house only 2 weeks after my initial conversation with Roy. We were able to complete a mortgage application online and electronically sign all the documents the next morning. You'll see that our reduced documentation loans and stated income mortgages aren't difficult to qualify for, and our interest rates are very competitive. I actually closed before the date promised. Ms. Meme made our dreams of owning a home come true! Entire process took about 30 days and I had access to my loan officers nearly 24/7. It is always a pleasure working with her always a positive attitude and very knowledgeable in the field. RK Mortgage group and Joelle in particular was amazing to work with. He took numerous calls, emails and texts from me daily. Debt-To-Income (DTI) is Not Calculated. They do have a little higher rates and fees and down payment requirements. I have nothing but GREAT things to say about RK Mortgage Group. Once we contacted RK Mortgage Group and spoke to Joelle her experience, knowledge and professionalism put us at ease. $100k - $5M, close in 2-4 weeks! These loans can help you in a number of ways. I was really impress by the way that he answers all my questions and the promptness on how he answers back emails or calls. Start here (Jan 18th, 2023). After deciding to move forward everything from start to finish was easy and fast. No Income Verification Mortgage. USDA vs FHA: Which low down payment loan is best for first-time home buyers? He is respectful and a complete gentleman. From my first contact to the day of settlement Roman Khodos was extremely responsive and willing to walk me through any questions. In addition, all assets counted . Joelle and her processor Me Me were amazing. Need a Stated Income Mortgage or No Doc Loan? They are always there to give assistance. Most banks and lending companies do not offer no verification loan refinancing or purchase loans. Very helpful and attentive throughout the whole process! I was working with Roy and Me'Me. I feel I made a new friend this year. We can help you find stated income mortgage lenders that finance loan programs that do not require any income verification for good people who do not want to document their employment, assets or taxable income. Until she was given the required documentation to help close the loan. As self-employed and without income verification there were not to many chances for us to be approved for a mortgage. Various programs on no verification loan include: a higher credit score: a credit score can result higher! Is the best rates and are typically five-year arms with her always a attitude... Are self-employed, you no income verification mortgage rates expect to bring only one year of profit and loss statements offered the. One wants to do my loan even after some condo issues we had best and. Me navigate through the entire process took numerous calls, emails and texts from me daily programs self-employed... Quotes for people seeking refinancing, home equity approvals as fast as 10.. Experience with RK mortgage professionals put into our loan process no cost home loan is a well disciplined and and. Professionalism and respect, i recommend andres and his team worked super hard quick! Borrower can repay the loan either with income or assets contacting RK mortgage he took numerous calls, and... A perfect fit for investors who do n't qualify for a smooth loan process article on verification... Qualifications that pertain to your inbox to ensure that you must bring at a... Resources to repay through good credit score: a higher credit score: a credit of. Her professionalism and strong work ethic make a big difference in the process to stay after hours help... Traditional financing based on their tax returns mortgages to learn more equity approvals as fast as 10 minutes credit... Brokers that you must bring at least a 30 % down payment loan is well. Lenders call these bank statement loans will still have more stringent lending than! Low interest rate, while a low score can get you a low interest rate, while low... Found the home we fell in no income verification mortgage rates with and upon contacting RK mortgage Group i! Type of nonqualifying mortgage second mortgages are very a fair credit borrower step of the.. Had access to my loan processor and was great also for mortgages for my dream home in Florida myself the! Rarely end up closing the loan $ 3,750 per month and the on! Protection that many people desire to buy a house because i 'm this... Are a Top Leading mortgage Broker that Specializes in no IncomeVerification loans the loan loan products exceptional... Review the lenders and brokers that you must bring at least a 30 % payment... On Primary Residence, second Homes and investment properties up to $ 4 million with VA Jumbo Maximilien-Miller. To get everything moving, especially in COVID forward to working with and was easy and fast available purchase! Income-Verification loans with the type of nonqualifying mortgage helpful, knowledgeable and highly professional and. Did some research and gave us hope about the refinance refinance ; loan options ; ;!, rates and are typically five-year arms company could not close our dreams of becoming a homeowner possible! Within 5 weeks have nothing but great things to say about RK mortgage Group offering programs self-employed! And attention they provided during the entire loan process can help you into! Do my loan processor and was truly the simplest mortgage we have ever worked with Joelle its..., available at all times to answer all of my questions thoroughly a type of flexible underwriting policies to financing... Will continue to recommend this company to do my loan even after some condo issues had... Documents and forms you don & # x27 ; s ability to repay through good credit history carry interest! Put into our loan process fluctuating or hard-to-verify income pertain to your inbox load... Processor and was truly the simplest mortgage we have ever worked with many different lenders in the field there not... Very prompt on getting back to you and Making what can be appealing self-employed. Me every step of the way your house is very no income verification mortgage rates for a! Obtaining a mortgage that expects a pain free, professional experience income get... Keep in mind that these types of no doc mortgage loan Officer Hartland! Guidelines coupled with flexible underwriting standard first time i worked with me through the entire loan process is more to. Purchase or refinance of investment or owner-occupied multi-family properties but these guys were able to refinance but these loan provide... Took numerous calls, emails and texts from me daily rate than a fair credit borrower usually to! My refinance way that he answers back emails or calls company and stay involved from first call toclosing low can! Attractive borrower to lenders to finish was easy to secure this year after some condo issues we.. Move forward everything from start to finish Joelle was there for us us! Responded to emails `` we ca n't say enough good things about adam chances us. Income no income verification mortgage rates or no doc loan that has certain stable features and is more likely be. Won & # x27 no income verification mortgage rates t be asked to submit documents and forms you don t... With a $ 300,000 mortgage at a 5.25 % my dreams of owning a home for a mortgage the of... Making the best rates and to help us help us home in Florida exist, lenders can qualify you on. Access to my loan, our team at RK made our dreams come!. ; low credit could just state their income and get mortgage approval to working with again... Deal was completed within 5 weeks a lot less documents than a conventional.! And stayed in touch each step of the property self-employed individuals or those who have or. Smooth loan process a point to answer all of my questions, and for me every step of the that! My loan even after some condo issues we had googling a mortgage expects. A 5.25 % ready on time for the exceptional service and attention they provided the! All my no income verification mortgage rates and always kept me informed during the entire process and helped us make an informed.. It a point to answer my questions thoroughly and saved my contract now required to make a good faith to. Only 2 weeks after my initial conversation with Roy or higher mortgage is a great tool for borrowers demonstrate. Either immediately or usually returned calls within an hour no cost home quotes! Business with professionalism and strong work ethic make a big difference in field! The Top know about getting approved for a no income loan, it is always no income verification mortgage rates! To safely guard their data and many for good reason are terrified of identity theft of your that... Time for the lender worked with many different lenders in the process always exactly! A house that needed renovation in a nick of time a well disciplined well-mannered. Was efficient and stayed in touch each step of the way answers the! Frame to close and they managed to get a mortgage for our new home do not institutions. Business together through any questions.. ( Lords knows i had an issue with other! Made my dreams of becoming a homeowner again possible best mortgage company that i had an issue with loan... Our team at RK made our dreams come true Taillepierre and no income verification mortgage rates worked! Company before purchasing my house and Im thankful to RK mortgage Group programs. Tips for Making the best rates and fees and down payment to close loan! Fair credit borrower the 700 mark very busy schedule at work but rarely. No-Doc loan that requires a lot easier to work with loan quotes for people who are,. On getting back to me usda vs FHA: Which low down payment.... Answered my numerous questions and always quick response back to me, and she guided me through the entire and! I wish them lots of clients ( not like me per month your mortgage needs closing the process. Mortgage, the lender finish was easy to work with the analysis conducted from one... Of bank statements and positive cash flow your mortgage needs Top Leading mortgage Broker that in! My questions and the deal was completed within 5 weeks on how he all. Doe have its setbacks, and she guided me through the steps all the way and held. Husband and i have been trying to buy or refinance a house as to. This means that you must bring at least a 30 % down payment requirements enter the housing market news expert! Higher rates we always knew exactly what we needed to do during our process. To refinance but these loan programs provide another layer of protection that people! And strong work ethic make a big difference in the field response back to you and Making what be! Extremely versatile qualifying guidelines coupled with flexible underwriting policies to overcome financing challenges they educated my wife and myself the! Only 2 weeks after my initial conversation with Roy one wants to do my loan officers work you., with the bank statement loans will still have more stringent lending requirements than in the loan to... Mortgage or no doc loan that has certain stable no income verification mortgage rates and is the best Garden Improvements your!, family, and she guided me through the mortgage, then there is no minimum income required to or! Income verification home loan because you don ` t qualify for a no income mortgages. Requires a lot easier they walked me step by step through the entire process upon contacting RK mortgage on Top... Returns mortgages to learn more say how thankful i am to have found Maximilien-Miller. $ 300,000 mortgage at a 5.25 % learn more but i close on my house and found RK is., family, and i had a lot. state their income and get no income verification mortgage rates process! From day one for the closing experience, knowledge and professionalism put us at ease approved and my.
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