What is a No Income Verification Mortgage – No Doc Mortgage?

A no income verification mortgage is often referred to as a no doc mortgage as the name implies, this type of loan does not require the lender to verify how much you earn, and is sometimes called NINJ mortgages, which stands for no income, no job. and it’s a loan that’s above the conventional loan limits. This limit is set by Fannie Mae and Freddie Mac, who purchase loans from lenders. If a loan amount is higher than $715,000 in most counties, then neither of the two government-sponsored entities will purchase that loan, but in counties such as Los Angeles and San Francisco, loan amounts are allowed up to $1,149,825 before they are considered a Jumbo no income verification mortgage loan.

Typically, both Fannie and Freddie buy the bulk of U.S. residential mortgages from banks and other jumbo lenders, freeing up liquidity to lend on more mortgages. We offer the best Mortgage Rates for a no income verification mortgage, and we provide a lot more loan options than other lenders do.

The main difference between this No Income Verification Mortgage loan and a bank statement loan or full doc loan is we don’t have to confirm a borrower’s income like tax returns and recent pay stubs like traditional mortgages.

The Benefits of applying for a No Income Verification Mortgage

  • ​Doesn’t require the borrower to provide documentation of income.
  • No Statement or Verification of income is required.
  • Low amount of paperwork.
  • The debt to Income Ratio does not factor into underwriting guidelines.
  • No Prepayment Penalty.
  • Rate and Term and Cash-Out Refinance options are available.

No Income Verification Loan – No Doc Mortgage requirements?

Requirements for getting a No Income Verification Mortgage – No Doc Mortgage?

  • The borrower’s credit score should be 640 minimum to be eligible.
  • The maximum loan amount is 3,000,000.
  • Loan amounts as low as $200,000
  • Low reserves requirements.
  • Gift funds are allowed.
  • The programs are available for single-family residential housing (regular houses, townhomes, and condominiums).  Multi-unit, vacant land, and commercial properties are not eligible.


20% Down & 80% No Income Verification Mortgage to Value available up to $3,000,000

We know the Jumbo Mortgage Business call us at (800) 986-4580

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Current No Doc Mortgage Rates

When you “CLICK HERE” you’ll instantly see today’s lowest No Doc Mortgage rates. If you see an interest rate you like, you can click to head straight to request your Custom Rate Quote.

Comparing Current No Income Verification Mortgage Rates

When your shopping for Jumbo mortgage rates, we will get you the lowest interest rate possible, thus getting you the lowest interest rate that could save you hundreds of dollars a year and thousands of dollars over the life of your loan. Yes, having us find the best no income verification jumbo loan rate is a big deal.

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Our home loan experts are available 7 days a week to answer all your home loan questions. We don’t keep bankers’ hours…. we understand that you have busy schedules, that’s why we’re available nights and weekends.

Eddie Hoskins Founder & CEO

Providing our customers with the lowest rates, personalized service, and loan options that you don’t get from big box lenders or banks. That’s he built E Zip Mortgage.

Why should you choose us for your No Doc Mortgage home loan?

We work for you & not the bank, we offer wholesale mortgage rates which are lower than retail rates not to mention, we offer a wide variety of loan options so you’re not stuck with one set of restrictive underwriting guidelines.

Are credit scores a little low?

We have a credit score analyzing tool that can provide us with options to improve your credit scores quickly through a rapid credit rescore that usually takes 48 hours.

“We Think Outside The Box”

Our “Outside The Box Thinking”  gets home loans approved and closed every day! From Bank statements as Income loans to 50% debt to income ratio approvals, we do them all.

We’ve streamlined the mortgage process, and close in 30 days or less.

From application to closing, all from the palm of your hand.

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