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Stated Income Loans: Available within Business Lending "If I wanted to go refinance my house or buy a new house to live in and get a stated income loan, I couldn’t do it," says Brian O’Shaughnessy, CEO of Athas Capital Group, based in Calabasas, Calif.

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Can I Refinance My Home With No Income Verification. – If you have an FHA loan and are current on your payments, the U.S. Department of Housing and Urban Development provides a streamlined refinance program that allows you to refinance at a lower rate. This loan has no income verification requirements, and if the new loan amount does not exceed the current loan balance, no appraisal is required.

How Could A Relatively Small Number Of Subprime Loans Cause A Record Crisis? – I will show that the focus on subprime loans was excessive and allude briefly. They could have claimed that they had verified the income but provided no records of their efforts at verification or.

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What Is a No-Income-Verification Loan? – Budgeting Money – Definition. No-income-verification mortgage loans are also known as no-doc or stated income loans. A borrower states his income on the mortgage application and does not have to provide pay stubs, W-2s or 1099s to back it up.

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Refinance Your Home Loan. A refinance can help you pay off your loan sooner, reduce your loan term and monthly payments or get a lower interest rate.

HARP : Forget DTI – Qualify On "Money In The Bank". Effective immediately, Fannie Mae and Freddie Mac no longer require verification of income from at least one HARP borrower. In lieu of such verification, HARP applicants can provide proof that at least 12 months of mortgage payments exist in reserves for the subject property,

Let’s discuss what a verification of your income and assets entails and what documents you’ll need to ensure a smooth home buying process.