No Doc Lenders and No Doc Mortgage Loans in NJ New Jersey

Services for Real Estate Pros with Eric J - Dream Home Financing

Looking for a No Doc Lender or a no doc mortgage loan in NJ New Jersey? There are plenty of lenders in new Jersey NJ  to choose from. However, not all of them have a wide array of programs to meet your needs. 

When searching for loan programs in New Jersey NJ, it is important to understand how long you plan to be in your home, your ability to document your income, and the payment you can afford and qualify for.  

Make sure the no doc lenders in New Jersey NJ you are working with have access to all of the no doc loan options in New Jersey including no doc mortgage loans if you happen to be self employed. Stated Income Loans In New Jersey are also available and that is a huge advantage if you cannot document your income and have at least 30% to put down on a purchase. It is difficult to find these programs in many states but they are available in New Jersey and the rates are great too.

One thing important to note is a true no doc loan is when you do not put ANY employment, income or asset. Those programs no longer exist because lenders require that you do have a source of income. You CAN get a stated income loan or no income verification loan. More than likely this is what you need. 






Here is a list of some of the mortgage loan programs available in New Jersey NJ



  • Fixed Rate Loans 
  • Adjustable Rate Loans
  • Balloon Mortgage Loans
  • Jumbo Mortgage Loans
  • High Balance Mortgage Loans
  • FHA Mortgage Loans
  • VA Mortgage Loans
  • Stated Income Mortgage Loans
  • No Income Mortgage Loans
  • Interest Only Mortgage Loans
  • USDA Mortgage Loans
  • Reverse Mortgage Loans
  • Home Equity Products


...and much more !


Before you sit with a loan officer, be sure to be prepared with the required loan documents that he/she will need to help you with your loan. You can view a list of those mortgage documents HERE

You can also see what kind of payment you are comfortable with by going through some scenarios yourself. You can download a free mortgage calculator HERE


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 Have a great day .....Eric - Dream Home Financing



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Matthew Remus
Redstone Mortgage, Mortgage Consultant & CE Instructor - Ahwatukee, AZ

No Doc and State Income... huh?  What is the catch?  Private $$?

Jan 29, 2010 04:04 AM #1
Eric J
Eric J - Dream Home Financing - Freehold, NJ
Dream Home Financing

Matt, the post if advising that there really are no true "no doc" loans anymore. There ARE stated income loans (state income but no documentation) and no income loans (don't state OR document income).  There is no catch at all other than the fact that the borrower should be self employed.  People often ask for and look for NO DOC loans when in reality, they really just need stated income.

Jan 29, 2010 04:12 AM #2
Jean Jones

I am looking for a state income but no documentation mortgage loan.

Oct 14, 2018 10:10 AM #3
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