need no income verification for 40 ltv refinance with 720 credit score. in california anybody know of any portfolio or stated income loans?

Asked by danamarie23, 95070 Wed Dec 11, 2013

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Jessica Bate…, Agent, Beverly Hills, CA
Thu Dec 12, 2013
Yes I have had clients get a stated income loan for 60%LTV so I know it's possible. If you go to The Lenders Network site they will be able to refer you to a lender who can help.
2 votes
Brian Nguyen, Mortgage Broker Or Lender, Mission Viejo, CA
Mon Feb 3, 2014
I would need to know a lot more information about your situation but I have been able to do no income verification loans for borrowers before. I suggest you speak with a lender like myself who would be glad to speak with you to help you get the loan that you need. If you have any further questions or if you would like a loan, feel free to contact me. Good Luck! Brian Nguyen Sr. Mortgage Banker NMLS # 659743 Phone: 949.667.2887
0 votes
, ,
Thu Dec 12, 2013
We offer NO DOC, STATED and ban statement loans nationwide.

Let's discuss your loan scenario in more detail.Contact me at 800 315 8803. My name is Bart and I have been in the mortgage business since 1987. I am happy to answer your mortgage questions, 7 days a week and review your loan scenario.

Until then, I look forward to hearing from you.

Bart Gabe - 800 315 8803
Lending Nationwide Since 1987
0 votes
Jessica Coons, Agent, San Jose, CA
Thu Dec 12, 2013
Hi Dana

Here are a few ideas of people to contact for this type of product. Do me know your experience with them good or bad.

John P. Santos
Wholesale Loan Officer

Velocity Commercial Capital
30699 Russell Ranch Rd., Suite 295
Westlake Village, Ca 91362
818-338-9520 – Office
818-540-8589 -- Cell
818-338-9720 – Fax

Debbi Suddarth

Best of luck to you,

0 votes
Robert Spino…, Mortgage Broker Or Lender, Mill Valley, CA
Thu Dec 12, 2013

This may not be an option, but I thought I would mention it anyway. There are some lenders who will permit you to use your assets to create a qualifying income stream (asset amortization loans) and a variation on this are asset depletion loans. Without knowing more I'm not certain it would be a good fit, but with your credit score and LTV we know we have two things going for you right out of the gate.

If you have questions or wish to discuss more, I'm happy to help.

Rob Spinosa
0 votes
, ,
Wed Dec 11, 2013
I work with over 30 portfolio lenders in California.

Feel free to call me or to email me.

Thierry Abel
Senior Loan Consultant
All California Mortgage
A Division of APMC
P: (415) 464-8261
C: (415) 378-7508
F: (415) 464-2367
NMLS 304353 - DRE 01380701
0 votes
, ,
Wed Dec 11, 2013
I won't force you to call me to get your answer, the only bank I know of that may help is PacTrust and the loan officer I would direct you to is Malik Shakur, 510.835.2178. I know they have a portfolio program that works off of bank statements, you could always go private money too but that is probably not what you're looking for. best of luck

Jesse Gonzalez, Broker
NMLS MLO-278103
NMLS ID- 1075218
Ca. BRE-01855372
0 votes
Bmecsey, , San Francisco, CA
Wed Dec 11, 2013

For a primary? I have a true portfolio lender that should be able to help with this.

Feel free to contact me and we can see what we can do.


Bryan Mecsey
Amerifirst Financial Inc.
NMLS: 861229
0 votes
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