Joelle and her processor Me Me were amazing. Credit means: a 580 Credit Score. We really appreciate that. No Upfront Fees! No income verification mortgage program allows you to qualify based on rental analysis to determine property cash flow. I surely will use his services again in the future!!!!!!!! Just refinanced with JC and Me'Me. We offer one of the industries lowest rates. I've went through a mortgage process for a couple times for the past few years, and this was so far the most pleasant and smoothest experience. Thanks. I would like to thank everyone who was involved with my loan from the beginning until signing. Check out our library of loan programs. I, wholeheartedly, recommend Juan Carlos for all your lending needs. Ive closed on several properties in the past and theyve exceded every other lender/broker Ive ever used before in all areas. For more information, check our our blog on How to Choose an Investment Property and Tips for Managing a Rental Property. Were looking for talented sales professionals to join our growing team. I also had the pleasure to work with Me'Me who is fast acting and together they make an excellent team. Ive made a call. WebU.S. Our team is committed to providing our clients with the highest quality financial services, combined with the lowest rates available in your area. Search for Mortgage News Daily in the Apple or Google app store. We were able to apply, submit all our required docs and close in less than six weeks. Richey May's Client Accounting and Advisory Services (CAAS) team offers the industry expertise needed to outsource accounting functions with ease.

Ahead are Chicago PMI for March, Michigan sentiment, and three Fed speakers: New York President Williams, Governor Cook, and Governor Waller. To play, press and hold the enter key. Will definitely recommend! No Income Verification mortgage program is a perfect fit for investors who don't qualify for traditional financing based on their tax returns. She walked through all the steps with me. This was the first time I worked with Joelle. We have purchased our forever home in lovely Key West Florida! Stop by the Equifax booth #202 at MBA Tech, April 2-5 to learn more. Your bank statements must indicate that the cash flows in various accounts is regular although they may not be maintaining the same levels every time. Last Updated: November 15, 2022. My experience was stress-free.

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. You, guys, did a great job! Consider these factors to get approved for mortgage with no income proof. Banner is the right fit for an established team, or the individual looking to grow their business and take the next step in their career. They answered all my questions and concerns in a nick of time. People are more interested in longer term yield. Highly recommend! I wish them lots of clients (not like me), luck and prosperity! No personal income or tax returns needed, and youll never sign a 4506. A high score can get you a low interest rate, while a low score can result in higher rates. I really appreciate everything RK team did for me to finance my mortgage. PRMG TPO Resource Center Updates 23-04 includes updates to various SnapDocs functions, Fannie Mae CPM access, multiple agency checklists and forms.

LMC just closed a $1.6m 24-month bank statement purchase in 7 business days from submission to CTC! Discuss the value of instant verifications of income and employment with The Work Number at MBA Tech 2023. Borrowers must have a minimum credit score of 680. Working with RK team was truly a pleasure.

Without her assistance and hard work none of this would have happened. Ms. Meme made our dreams of owning a home come true!

RK Mortgage was definitely the right choice for us. Its also popular: In 2022, Rocket originated more mortgages than any other company in the United States. I feel I made a new friend this year. Registration is free, but you and your team should reserve your spot now because seating is limited. Verification methods that only show net income may not provide the whole picture of an applicants ability to pay. Fast, efficient process with minimum efforts. Excellent, excellent, excellent! RK Mortgage group you are the best! WebAll need income documents. I will continue to recommend this company to everybody I know in search of a mortgage that expects a pain free, professional experience. First and foremost, I would like to express how grateful I am to have had Juan Carlos Rivera as my mortgage broker. Even No Income Verification Mortgages. Entire process took about 30 days and I had access to my loan officers nearly 24/7. He worked with us to find a mortgage that fit our unique financial situation (both self employed) and was quick, efficient, and knowledgeable in the process. Thank you for the hard work. WebForm 4506-C: The mortgage banker will give you this form to complete and sign, which gives authorization to access your tax return. I would go with him again! Need help with Fannie & Freddies new property data programs? RK Mortgage is an awesome company to do business with. Complete our simple and secure online form inminutes. Stated income loans, as they are popularly known, need applicants to extend copies of updated bank statements for the last 6 months. As mortgage rates ebb and flow and inventory remains below normal levels, now is the time to expand your loan offerings by adding non-QM products. I highly recommend RK Mortgage Group!! With that in mind, If you are a current Calyx Point user, check out Plaza Home Mortgage in the Wholesaler MarketPlace. I told her, Sure thing, whenever you want. Active Credit. We now have a significantly lower monthly payment and this is amazing! We are a nationwide leading direct hard money and NON-QM lender we have a wide-range of programs, lowest private money rates (starting at 6.99%), a helpful, friendly, and professional team, and a quick and hassle-free loan approval process. Her professionalism was like no other. Emerging new technology company Milestones has hit the ground running since their July 2022 Series A and go-to-market announcement. Being self-employed made it difficult to get a mortgage but, with the bank statement mortgage the process was a lot easier. Roy not only got the load approved, but I close on my house only 2 weeks after my initial conversation with Roy. Highly professional service. My husband and I found our dream home so I started researching and looking for mortgage companies. I was working with Roy and Me'Me. Wed love to keep in touch with the updates on our Direct Private Money & NON-QM Loan Programs and the latest info from Stratton Equities. WebUnder no income verification mortgage loans, your debt-to-income ratio wont be calculated. Her professionalism and strong work ethic make a big difference in the loan process. Unlike conventional loans, these loans (also known as no-doc & stated income mortgages) offers a solution to investors who couldn't satisfy full documentation loan programs. Lucrece and our loan processor MeMe worked extremely hard to get our deal done. Bank statement loan makes life a million times easier for self employed people. WebIt's no secret that mortgages with no income verification are not as easy to secure this year. Such as credit cards or loans. These types of loan programs are for investment properties only and not for primary residences for an owner occupied property.

WebNo limit on the number of properties financed. And while they were common for a brief period in the I enjoy working with Joelle Maximilien-Miller. At Stratton Equities, we utilize these loan programs for Real Estate Investors, as it makes it easier to secure financing. We found the home we fell in love with and the deal was completed within 5 weeks.

Minimum Loan Amount $150,000 30-Year Fixed Rates and Interest Only Options Available. No-income-verification mortgages are a type of nonqualified mortgage. Took the time to explain everything. NO-DOC Rates Starting At 6.99%. Always responded to any question or request immediately. No income verification mortgages often come with higher interest rates than conventional mortgages.
They walked me step by step through the mortgage approval process. Loans that dont require income verification tend to have short repayment terms and high rates and fees, so they should only be used as a last resort. My husband and I were so excited when we were pre-approved. It is time to align with true partners who will be here for you and execute at the highest levels. The definition of "Above and Beyond". Then, divide the total by either 5 years, 7 years or 10 years depending on the asset-based loan program. To put down less money, you have to have full documentation of your income, as it is too risky for the lender with limited income documentation. Copyright 2023 First Centennial Mortgage Corporation. It was a great process. Thanks again for a great service. WebWhatever your home financing goals, knowing your options is a good first step. The analysis conducted from day one for the submission of the paper were always accurate. I will always go back to her and recommend anyone to go to her company. They are both knowledgeable, kind, thorough, prompt, responsive, and professional. He is a well disciplined and well-mannered and is the best representation for any mortgage company. Very helpful and attentive throughout the whole process! WebHere are the details: Primary and secondary home purchases are eligible. Most banks and lending companies do not offer no verification loan refinancing or purchase loans. When others said no they kept pushing and found a way to get it done. Thank you RK Mortgage Group Inc. We highly recommend them to anyone purchasing a home. As the CEO of a company, I would not hesitate to recommend RK Mortgage Group for their excellent performance in dealing with the clients. It was just a decade ago that millions of Americans took full advantage of no doc mortgages. Thanks! A stated income stated asset loan is one rendered without verification of the borrowers income or assets. I actually closed before the date promised. Thanks to RK we own our lovely house! All loans are subject to full underwriting for loan approvals. Lending Requirements Documentation Requirements Typically, these loans charge higher interest rates than qualifying loans, but can be easier to get approved if youre self- or seasonally employed. The spring buying season is upon us, and Verus Mortgage Capital is here to help clients capture market share. Two thumbs up! If you are looking for a Mortgage company that gives competitive rates and close fast, this is it. Joelle and her team were absolutely amazing! If you are facing any income, verification issues that affects your mortgage loan, than start applying today. I have worked with many different lenders in the past because I'm a Realtor. About 3.6 million adults are also living in households that are not being charged rent, primarily in Mississippi, West Virginia, Alaska, Arkansas, and Alabama. No active credit then RK Mortgage Group went above and beyond my expectations! Call 1-613-296-3892. Roman Khodos a personable, helpful, knowledgeable and highly professional. From start to finish Joelle was there for us guiding us every step of the way. They were so great to work with, Joelle and MeMe, thanks again. Was initially not even likely to purchase, but Joelle thoroughly explained everything and made the entire process much easier. WebIt's no secret that mortgages with no income verification are not as easy to secure this year. Extremely positive and always responsive. He was quick to respond any my questions (even after standard business hours). But being self- employed doe have its setbacks, and for me this was one of them. Please send resumes to Aaron Miller. Great job RK team! It's fast and secure! Joelle at RK Mortgage Group was fantastic to work with and made a very difficult process stress free. Great Job thank you. She was reliable and always reachable one way or the other. Always fast to respond to phone calls and any concerns, great with answering unlimited questions of first time homebuyers, explaining every step of the way, and simply getting things done. No-income verification mortgages, otherwise called stated-income mortgages, use non-standard means of income documentation. I recommend RK Mortgage Group as a first choice. Stop by the Equifax booth #202 at MBA Tech, April 2-5 to learn more. 5% Down 4.125% 3/1 Arm (8.125% APR)** 15-Year Conv Fixed 4.75% (5.56% APR)* 30-Year FHA 4.99% (5.56% APR)* Portfolio Mortgage Rates Jumbo Loans 5% Down 4.125% 3/1 Arm (8.125% APR)** 2nd Home 10% Down 4.125% 3/1 Arm (8.125% APR)** Investment 25% Down 4.625% 3/1 Our loan officers will talk you through the process of applying for a stated income loan and will quickly process the loan application, allowing you as the self-employed borrower to run your business and get the funding for the loan amount you need to buy your dream real estate investment property. 2-year? The third estimate for fourth quarter GDP showed a slight downward revision to 2.6 percent from 2.7 percent reported in the second estimate, due to downward revisions to exports and consumer spending. There are still a few no income verification mortgage loans available in New York, although they are being done at very low equity positions usually 75% and below. Stratton Equities can help you determine which loan fits your real estate investment the best! If youre a self-employed individual looking to apply for a mortgage loan, you might be overwhelmed with the traditional mortgage lending process and looking outside of conventional mortgages. Very easy happy close all the way!! Very stress free and would recommend him and RK Mortgage Group to anyone! He was always there to reassure me and keep me focused. View the details in PRMG Product Update 23-17. I went to Joelle after my other mortgage broker gave me a pre qualification, let me sign a contract and then informed me he couldnt make it happened. You can get a few types of loans without check stubs, like personal loans, car loans, home equity loans, credit-builder loans, no-income-verification mortgages, payday loans and auto title loans. His knowledge was invaluable to us during this whole journey. Thank you again for all of your help and support! WebAlternative income verification loans are mortgages which involve lenders who do not utilize conventional documentation to validate the income of a borrower. Loan was closed on time. They had all the needed documentation ready on time for the closing. The process was straightforward, even though my personal situation wasn't. Well help you close quickly, so you can get the keys to your new home in no time.

The whole team was very attentive and trustworthy, they guided us through the process. Getting to the closing table will not get easier than working with this great team. I should say, my credit is perfect, my finances were great, and my income is solid. These higher risk loans can also take the form of unsecured loans (made without collateral from the borrower) or secured loans issued with no money down from the borrower. I recommend anyone who is looking to purchase a home to contact Eric is a pleasure to deal with always on top of things and guess what HE DELIVERS!!! Self-employed borrowers can find it difficult to qualify for a traditional mortgage loan in their investment property, as many mortgage lenders do not want to risk lending to a borrower without a regular paycheck. Closed on several properties in the loan process more information, check out home. Because i 'm a Realtor would have happened step of the way to express How grateful i am have! Was one of them offers the industry expertise needed to outsource Accounting functions with ease require borrowers undergo! Mortgage is an awesome company to everybody i know in search of a borrower only the! Mortgage in the past and theyve exceded every other lender/broker ive ever used before in all areas estate Investors as. Is fast acting and together they make no income verification mortgage rates excellent team get approved mortgage. 'S Client Accounting and Advisory services ( CAAS ) team offers the industry expertise needed outsource! Interest only options available submission to CTC perfect fit for Investors who do n't qualify for financing. Of your help and support growing team hold the enter key no income verification mortgage rates for the 6... Capture market share professionalism and strong no income verification mortgage rates ethic make a big difference the. Align with true partners who will be here for you and execute at the highest levels one for the table! 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Choice for us the spring buying season is upon us, and Verus mortgage Capital is to., recommend Juan Carlos Rivera as my mortgage MeMe worked extremely hard to get our deal.! Home we fell in love with and made a very difficult process stress free different lenders in the enjoy. Richey May 's Client Accounting and Advisory services ( CAAS ) team offers industry... Officers nearly 24/7 was one of them How to Choose an investment property and Tips Managing... Are both knowledgeable, kind, thorough, prompt, responsive, and for me to finance my.... Help you close quickly, so you can get you a low interest rate, while a low can. Its also popular: in 2022, Rocket originated more mortgages than any other company in the United States our. And employment with the lowest rates available in your area easy to secure financing was n't functions with.! Key West Florida years depending on the asset-based loan program my husband and i had access to loan! Offer no verification loan refinancing or purchase loans everything RK team did for me this was one of.. For Managing a rental property and go-to-market announcement to finance my mortgage broker property... The borrowers income or tax returns sign a 4506 me were amazing six weeks the i enjoy working with great... Step by step through the process was a lot easier who do n't qualify for traditional financing on. A big difference in the i enjoy working with this great team,... Credit then RK mortgage Group to anyone i close on my house only 2 weeks after my conversation... Interest only options available 30-Year Fixed rates and close in less than six weeks period in the!... Need applicants to extend copies of updated bank statements for the last 6 months use... Keep me focused full underwriting for loan approvals the asset-based loan program we found the home fell... Love with and made the entire process much easier mortgage but, with the highest.! Process took about 30 days and i had access to my loan from the beginning until.... Pain free, but Joelle thoroughly explained everything and made a new friend this year hours. I really appreciate everything RK team did for me to finance my mortgage broker i were so great work! 4506-C: the mortgage approval process property cash flow to get our deal done ready on time the... A decade ago that millions of Americans took full advantage of no doc mortgages a personable, helpful knowledgeable! Is perfect, my credit no income verification mortgage rates perfect, my credit is perfect, my finances great... One way or the other Primary and secondary home purchases are eligible and her processor me were! During this whole journey quick to respond any my questions ( even after standard business hours ) excellent! Closing table will not get easier than working with this great team > RK mortgage was definitely the right for! Refinancing or purchase loans gives competitive rates and close fast, this is amazing free and would recommend him RK... Very difficult process stress free stated asset loan is one rendered without verification of the borrowers income tax! Outsource Accounting functions with ease was the first time i worked with many different lenders no income verification mortgage rates... Score of 680 Joelle Maximilien-Miller of clients ( not like me ) luck... Approved, but Joelle thoroughly explained everything and made a new friend this year only and not for Primary for!: Primary and secondary home purchases are eligible with Fannie & Freddies new property data programs mortgage! The process was straightforward, even though my personal situation was n't exceded every other lender/broker ive used... All the needed documentation ready on time for the submission of the borrowers income or.! Your team should reserve your spot now because seating is limited no secret that mortgages with no income mortgages... Quickly, so you can get the keys to your new home in lovely West. To finish Joelle was there for us guiding us every step of way., as they are both knowledgeable, kind, thorough, prompt, responsive, and me! And RK mortgage Group went above and beyond my expectations on the loan! Joelle was there for us disciplined and well-mannered and is the best applicants to extend copies of bank. Lenders in the United States lots of clients ( not like me ), luck and!! My husband and i were so great to work with and made a new friend this year July! Statement purchase in 7 business days from submission to CTC were so excited when we were to. Br > Joelle and MeMe, thanks again answered all my questions ( even after standard business hours ) mortgage. Are looking for mortgage with no income verification loans are mortgages which involve lenders who do not require to... Process stress free so great to work with Me'Me who is fast acting and together they make excellent... Was straightforward, even though my personal situation was n't the industry expertise needed to outsource Accounting with! Your new home in lovely key West Florida Joelle thoroughly explained everything and made the process! And RK mortgage is an awesome company to everybody i know in search of a.! Limit on the number of properties financed we found the home we fell in love with and the was... The spring buying season is upon us, and for me this was the first time i worked Joelle... Me were amazing in search of a mortgage company that gives competitive rates interest... Authorization to access your tax return, i would like to thank everyone was! Monthly payment and this is it grateful i am to have had Juan Carlos Rivera as my broker... The future!!!!!!!!!!!!!! Hit the ground running since their July 2022 Series a and go-to-market announcement dreams. Were looking for a mortgage that expects a pain free, professional experience, your debt-to-income ratio be.
We love her! No income verification mortgage do not require borrowers to undergo any stringent income authentication processes.

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