Income and Asset Documentation Not Required | Forms 4506-T and 4506-C Not Required

July 2021

Tax Returns Not Needed for Self Employed or W-2 Employees

Loan Purpose

  • Purchase, Refinance and Cash-Out Refinance
  • Cash-Out Refinance Requires 90 day Purchase Seasoning in Order to use "Market Value". Less than 90 days, "purchase price" is used for LTV purposes.

Property Types SFR and PUDS only

Occupancies: Owner Occupied and Second Homes Only


  • 680 Minimum Credit Score required
  • 70% Maximum LTV (loan to value)
  • $350,000 minimum Loan Amount



Alabama, Arizona, Arkansas, California, Colorado, Connecticut, Delaware, Florida, Georgia, Hawaii, Illinois, Iowa, Kansas, Kentucky, Maine, Maryland, Missouri, Nevada, New Hampshire, New Jersey, New Mexico, North Carolina, Oregon, Pennsylvania, South Carolina, Tennessee, Texas, Virginia, and Washington


Reference # am09jj