Secure Your Mortgage with Ease with a No Doc Loan

Get started

What is a No Doc Loan?

No Documentation (No Doc) Loans is designed for borrowers who cannot provide traditional income verification, such as tax returns or W-2s. Instead of relying on detailed income documentation, lenders may consider other factors such as credit score, assets, and equity in the property.

This loan type is ideal for self-employed individuals, investors, and others with non-traditional income sources. A No Doc loan typically comes with competitive rates and various term options, allowing borrowers to choose a loan structure that best suits their needs.

Loan Benefits

Simplified Documentation

Skip the hassle of gathering extensive paperwork and qualify without traditional income verification.

Competitive Rates

Benefit from attractive interest rates tailored to your financial profile.

Quick Approval

Enjoy a streamlined application process with faster approvals compared to conventional loans.

Eligibility Requirements

Good credit score (specific score requirements vary)
Proof of sufficient assets to cover down payment and closing costs
Equity in the property (for refinancing)
No significant recent financial issues (e.g., bankruptcies, foreclosures)
Property must meet lender-specific criteria

Start your No Doc Loans Application

Frequently asked questions

What documentation is needed for a No Doc Loan?

Minimal documentation is required; typically, you'll need proof of assets and creditworthiness.

Can I use a No Doc Loan to refinance my existing mortgage?

Yes, No Doc Loans can be used for both purchasing a new home and refinancing an existing mortgage.

What is the minimum credit score needed for a No Doc Loan?

While requirements vary, a minimum credit score of 620 is typically needed to qualify.

Are No Doc Loans available for investment properties?

Yes, No Doc Loans can be used to finance various property types, including investment properties.

How does the approval process for a No Doc Loan differ from traditional loans?

The approval process is generally faster and requires less documentation, focusing more on creditworthiness and asset verification.

See what our clients say about us

We are humbled by the kind words of our clients. And we are happy that we were the ones to help turn their mortgage goals into reality.

First-Time Homebuyers' Delight

Suzie and the Truss Financial Group exceeded our expectations in securing our mortgage as first-time homebuyers. Suzie's expertise and guidance made the potentially daunting process incredibly smooth and manageable.

Robert F.

San Tan Valley, AZ, Software Engineer

Great for Bank Statement Loans

I did a bank statement income loan and it chose to not include some deposits. This is just a heads up, not a complaint. Truss is definitely a good company, and I would ABSOLUTELY work with them again. Marcus was honest and helpful throughout the process.

Berj F.

Concord, CA, Business Owner

Personalized Service

"I am more than pleased to work with Delania Tak and would confidently recommend her to anyone seeking reliable assistance in securing a loan. Her commitment to excellence and personalized care make her an exceptional choice."

Howard L.

CA, Real Estate Investor

Cash-Out Refinance Made Easy

Thank you so much to Guillermo Correa and Truss Financial. They made doing my cash-out refinance a piece of cake! The interest rate was much lower than other lenders I checked with. The fees were reasonable, and the timeline was very smooth.

RealEstateLady 1.

Sandy, OR, Real Estate Broker

Exceptional for Self-Employed

After months of struggling with other lenders, Paul at Truss Financial made it easy to complete a cash-out refinance of a new primary residence. As a small business owner and real estate investor, my income situation is complicated but Paul was able to guide me through the process with relative ease.

Baird K.

New York, NY, Small Business Owner and Real Estate Investor

Innovative Solutions for Self-Employed

Garrett Jimenez was super creative and helpful every step of the way. Being self-employed makes getting a loan difficult. But he found ways to overcome each and every hurdle and really hit a home run for us.

Jason M.

Rancho Cucamonga, CA, Self-Employed Individual