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?

20% Down 80% LTV for Primary Residences.
20% Down 80% LTV for Second Homes.
Cash-Out Refinance up to 70%.
Investor No-Income Verification Loans Click Here.

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

“CLICK HERE” to See Today’s Mortgage Rates.

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.

Click Here to See Today’s Low Rates

Client Reviews

First Florida Financial was highly recommended by a friend to help with a complex home sale. Eddie and his team found solutions quickly that no other mortgage experts could develop. I closed quickly with no issues. The Ezip process is super easy and fast and Eddie”s team is on the…read more →

Joseph Coughlin

Dealing with First Florida Financial was truly a great experience. Eddie got back to me immediately in the early stages of the loan and got the ball rolling quickly! After our initial conversation, I felt confident that Eddie was going to get the job done. Our loan was very time…read more →

Ash Smith

Applying for a loan is extremely stressful but my experience has been amazing. Eddie always puts the client's interest first and is extremely honest and respectful. He is of unparalleled caliber and authenticity. He is on the ball and his team is great to work with. They do not make…read more →

Jose Valle

We want to thank a million times to Eddie Hoskins and his team at First Florida Financial Group. Everything, from initiating contact with Eddie on a Saturday afternoon about five weeks ago, until the closing day, today, all efforts to make this purchase happen were outstanding on their part. Our…read more →

Daniela Radu

Eddie and Simone exceeded my expectations. Eddie's team was able to offer me a loan that very few lenders do with less money down. We went through the process without any major hiccups and I was able to close on my home much earlier than expected. Simone was especially kind…read more →

Ivania Marin Morales

From the first call to the closing Eddie and his team were available 7 days a week for any question or even to just guide us through the process. He takes the time to remind you of things that should be considered even when he might not benefit him directly.…read more →

Bruce Baerwalde

I found First Florida through a web search borne out of frustration. I knew there had to be financing out there that would allow me to get a large mortgage with very little down and no PMI. Traditional lenders wanted 10% down minimum. My credit union would do a loan…read more →

Sara P

I found Eddie and First FL Financial solely by accident doing an internet search. I could of not been happier that I did. I have never met him in person, but can tell that he cares about the customers he serves. The service is incredible. Eddie will respond to all…read more →

James Villano

Eddie and his team are amazing and a pleasure to work with every step of the way! Eddie is by far the best mortgage person I have ever known and my real estate agent, who has over 30 years experience, said the exact same thing about him. His team is…read more →

Susan Schmidt

Eddie and Simone were awesome to deal with. The entire process was handled professionally and smoothly. I can honestly say that this was the first time that I have purchased a property where the transaction was handled without a lot of drama. This is the 7th property I have acquired…read more →

Jan Brown

Waste no time. Eddie will get the job done. I started working with big banks assuming I was in good hands. My wife found Eddie searching online and I was skeptical. Eddie reviewed my case and told me in advance the outcome of my loan process with banks (frustrating process…read more →

Josue Quinones

Eddie and his team did a fantastic job. I had a very complicated file and the team communicated thoroughly throughout the entire process and came up with solutions when others could not. With a complex file and a relatively quick closing, the team effort to push my closing across the…read more →

Mike Lendino

Excellent Company! I was looking for a Jumbo Loan and didn't want to put 20% down, I found a lot of lenders offering 10% down payment and then I found First Florida offering 5% Down. I must Say I got a GREAT Rate with no monthly mortgage insurance and we…read more →

Robert S.

I want to thank the entire team for getting us Thru the VA home loan process. Your E Zip Mortgage online system made it smooth and EASY. Being a return customer for the second time, Says it all! We will always highly recommend your company. Thanks

Fred Elder

Eddie and his team did an excellent job preparing and guiding me through the application process. It was quick and painless compared to the many other mortgages I have applied for in the past. Thank you for the wonderful service.

Eddie Babin

Words cannot describe how grateful we are for Eddie Hoskins and his team. My family and I have recently relocated to FL from Mi. My husband just started a new job and we hit a roadblock with the financing. I called First Florida Financial Group as my last hope. Which…read more →

Jesika Morgrette

Eddie and the First Florida Financial team were nothing short of outstanding! This was, by far, the most straightforward, professional mortgage loan process we have ever experienced. Eddie has an amazing "can do" approach, is completely focused on success and finding solutions to any obstacles in the path to expeditiously…read more →

Gordon Fraser

Eddie was my hero throughout the home buying process. I had a somewhat complicated situation, and he made the loan possible where others couldn't. The E ZIP process was fast and easy. We closed on time (within 30 days) where other companies couldn't. He even created an innovative loan package…read more →

Michele Johnson

Thank you, Eddie Hoskins and his dedicated and skillful staff were able to make the impossible possible! I will honestly say that he is the most competent and knowledgeable loan officer that I have ever worked with. This purchase would not have happened without you! Thank you!

Alex Khademi

Eddie, I know it has been over a week since we last spoke but we have been so busy with the move into our "new home"! The key word is HOME...not house or property, but HOME! The purchase of this lovely home of ours would not have been even remotely…read more →

Jose & Kimberly Arencibia

Dear Eddie, I would like to personally thank you for your help in arranging the refinance of our home we built in St. James City. You not only delivered the loan in a timely manner, but you provided counseling service as well, which was greatly appreciated. With the state…read more →

Jonna Bouchard

Dear Eddie, Thank you for all your support during the last year. I will always recommend you for loans to my friends and family. You did an outstanding job getting my son through such a difficult closing. We are now very busy fixing up on a deadline. Walls have…read more →

Nancy Britton

Thank you, Eddie, for putting this mortgage together for me. I was operating on a meager budget with a limited amount of savings and you came through for me. Your supporting staff was amazing, always available to take my calls and patiently explaining whatever I may have trouble understanding.…read more →

Stephen Hershkowitz

Eddie Hoskins and his team at First Florida Financial really helped me when others had declined on me. He was able to work out a deal in a very short time frame that ended up being less expensive than the Quicken Loan deal that I was originally trying for.…read more →

Charles Knowlton

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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.

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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.

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“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.

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

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