Flexible Documentation
Quick and Easy Home Finance
Self-employment and a complex tax return shouldn't be a barrier to purchasing property*. You may be well qualified, but still not wish to furnish the income and asset information typically requested with a loan application. Flexible documentation options may be beneficial in these cases.
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Flexible Documentation Options include:
- No Income/No Asset - Income and assets are not disclosed on the application nor verified. Ideal for creditworthy people who want maximum privacy.
- Stated Income/Stated Asset - Income and assets are stated on the application but not verified. Best for those who work, but don't wish to disclose that documentation. That includes self-employed people or those who earn significant commissions.
- No Ratio - Income is not disclosed nor verified, but assets are verified. Best for affluent clients with complex finances; retirees who live off investments, and people whose finances are in transition because of divorce, recent death of a spouse or career change.
* Consult your tax advisor about your personal situation.
