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Low Doc Mortgages

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Low Doc Mortgage Program Overview

Flexible mortgage loans for investors that require less stringent approval and seasoning requirements. Income verification and tax documents are not required. Investors may use the loans to purchase or refinance 1-4 unit investment properties. Loan options are customizable based on exit strategy.
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Low Doc Mortgage Benefits

  • Loans do not appear on your personal credit report
  • No sourcing or seasoning of funds required
  • Long-term financing, 30-year mortgages without balloons
  • Flexible fees and payment structures
  • Only a 30-day seasoning requirement for refinance
  • Option to lock-in competitive interest rates and eliminate the risk of forced sales or refinances
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Frequently Asked Questions


- Direct lending available in 37 states and Washington, D.C. 

- Receive funding within 30 days of appraisal document submission

- No DTI calculations or income verification

- No tax returns or 4506 documentation required

- Customizable loans based on the exit strategy

Costs Overview

No upfront or consultation fees

- Choice of either a 5/1 ARM, 7/1 ARM or 30-year fixed interest rate structure

- Loan rates vary upon the strength of available documentation and credit scores

- Typical closing fees include appraisal, soft costs, and 2 points of the loan amount

Minimum Requirements

- Minimum 640+ credit scores

- No mortgage late-pays within the past 12 months

- No bankruptcies or foreclosures on your credit report

Minimum property value of $75K (exceptions may apply)

- Funding applicable to investment properties (1-4 units)

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Broker Free States

States Where We Offer Low Doc Mortgages

Check out the map to see if your state qualifies. Questions? Contact info@100percentfinanced.com
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