Most banks and lenders only offered financing up to a CLTV of 80% if you could only provide "No Doc" documentation. However, you could tack on a second mortgage from a different lender as well and still get to 100% financing!. If you were refinancing and had enough equity in your home, you may have been able to take out a mortgage using a no documentation loan while avoiding any associated.
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Interest Only No Doc Loans – mymortgagebanker.com – The minimum middle credit score for these loans is 720 assuming an 60% loan to value. It is worth mentioning that we frequently get requests from borrowers looking for a cash out no doc refinance and we find out that they are actually employed (or self-employed) and can verify their employment for two years, but they cannot or do not want to verify assets.
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No doc mortgages used were highly popular before the mortgage crisis, and some lenders may be creeping slowly back into that crazy market. But are the loans the same?
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