Stated Income, NINA And Other Documentation Options

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DOCUMENTATION OPTIONS: Lenders require evidence of your ability to afford a mortgage. Evidence can be provided through bank statements, W-2's, credit scores, verification of employment and assets, etc.

FULL DOCUMENTATION: Requires a number of documents displaying evidence of income, employment, and assets.

STATED INCOME: You do not have to show evidence of income but rather 'state' it. The lender accepts your 'stated income' based on credit scores and Loan to Value. This is a great mortgage program for business owners, independent contractors, people with international accounts or 'family money', and others that can afford the loan but can't (or don't want to) show evidence of their income.

NINA: No Income No Assets. You do not have to provide evidence of imcome or assets. It is based on credit scores and/or Loan to Value. Choosing this program does, however, adversely affect the interest rate.

Do You Really Need 4 Loan Offers - or Just The Best Offer?

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One low offer that best suits your mortgage needs
Experienced loan officers with complete knowledge of mortgage financing
No hassles or obligations - just great service!

Refinancing? Purchasing? Home Equity Loan? Fill out the online application below and 'Take Command of Your Home Financing!'

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At 123Refi we ask the question, When does Mortgage Refinancing make sense? When home loan refinancing saves you at least $150 a month! Read our Home Loan Refinancing Guarantee--No hassles, just savings. Refinancing Mortgage in all 50 states with a wide variety of stated income loan refinancing programs, 123Refi is the premier online stated income loan company. If you're in the stated income loan market, we have equity line mortgage refinancing and home loan refinancing programs as well as equity loan mortgage refinancing and home loan refinancing programs to help with your refi.(There is a difference between an equity line and an equity loan) Whether you are refinancing a first or second mortgage we can help you. If you're ready to refi, our no points stated income loan refinancing program can save you a ton of money and our stated income refinancing for home loan can help you qualify for these savings. If you are refinancing your mortgage to consolidate debt or reduce your payments, our home loan refinancing professionals can secure those savings and really make a difference in your life. We have bad credit stated income loan to help people refinancing a mortgage who may have had trouble elsewhere. Whether your credit is excellent or plain terrible, 123Refi is here to help with absolutely any of your stated income loan needs.

Loan Information
Property Value:
Occupancy:
Property Type:
Will You Have A Co-Borrower?	Yes No
Monthly Debt:
Your Credit:
Monthly Income:
	I can verify this income through either past 2 years W-2's, past 2 years Tax Returns, or past 12 months Bank Statements.
	I choose not to verify this income and prefer a 'Stated Income' option.
	OPTIONAL: Provide Either Your Social Security Number or Credit Score:
For Refinancing and Home Equity Loans
Current Loan Amount:
Current Interest Rate:
Fixed Rate or Adjustable?
Any Cash Out?
Is this strictly a 2nd mortgage?
For Purchases and Prequalification
Amount Available for Downpayment:
If you prefer a 'Zero Down' option, what is the amount of your total liquid assets (savings, 401k, stocks, etc):
If this is a Prequalification, what is your maximum desired monthly payment?
Area Interested in Purchasing:
Are you working with a Realtor?	Yes No

Find Out How To Beat The Banks - Read Below For Details...

What is a Stated Income Mortgage?

"The service was great and so was my rate! There weren't any hassles at all - they listened to my concerns, answered all of my questions, plus I got a better rate than I expected."

Thanks again,

G. Frederickson

POINTS EXPLAINED

What are points and when, if ever, does it make sense to pay them?

FEES EXPLAINED

What are the 'real' costs of my mortgage? This will help explain exactly where your money is going - and where it shouldn't be going...

Mortgage Programs Explained...

Ask About Our Stated Income Programs
Fixed Rate Mortgage
What does the term 'Fixed Rate' specifically mean and what are the benefits of having a Fixed Rate mortgage?
Balloon Mortgage
What is a Balloon Mortgage? When would it make sense for you?

Adjustable Rate Mortgage
Also known as ARM's or Variable Rate Mortgages. Explains advantages, common terms; what is a Negative Amortization Mortgage (Neg-Am); includes an 'Index Table' that explains Prime Rate, CODI, COFI, CMT, MTA, and LIBOR.
Home Equity Loan - 2nd Mortgage
Explains the difference between a Home Equity Loan (Home Equity Line of Credit or 'HELOC') and a 2nd Mortgage, as well as which may be best for you.

Call Us For More Information About Stated Income and Nina Options
FHA - VA Mortgage
Covers government sponsored programs and their benefits. Includes FHA, VA, Cal Vet, as well as other state specific and local programs. Documentation Options
What are the differences between Full Documentation (full doc), Limited Documentation (Limited Doc or 'Lite Doc'), Stated Income and 'No Income No Asset' (NINA) programs?

How Can We Help You 'Beat The Banks'?

It's simple: click on any of the banks listed to the right and we will package your mortgage with that bank according to the mortgage program of your choice - but we'll beat their published rate by .25% and won't charge you any more than the fees that particular bank normally charges. Click here for details or click on the bank of your choice to get started.

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Beat The Banks!!!