According to, these are the best no doc mortgage lenders as of February 2022: AmeriSave Mortgage, JG Wentworth Home Lending, New American Funding, and Rocket Mortgage.

These lenders are all underwriters with a “No” or “Low” down payment option. However, there are many other no or low doc mortgage lenders that offer a wide range of products and services.

If you can provide a mortgage lender with sufficient documentation of your income, you may be able to get approved for a conventional loan instead.

best no doc mortgage lenders

No Doc Mortgage Lenders

If you’re a self-employed borrower or have income that’s hard to document, you may still be able to qualify for a mortgage. These “no doc” lenders offer loans with fewer eligibility requirements and flexible underwriting guidelines.

If you don’t have paycheck stubs or tax returns to show proof of income, there are several no doc mortgage lenders that can help you qualify for a home loan. No doc mortgages are ideal for self-employed borrowers, freelancers, and gig workers who don’t have traditional forms of income.

These types of mortgages can be harder to qualify for and usually come with higher interest rates than conventional loans. But if you have strong credit and ample assets, you may be able to find a competitive no doc mortgage from one of these top lenders.

If you’re in the market for a no-doc mortgage, check out our list of the best lenders below. We’ve also included information on what type of borrowers each lender accepts and what kind of documentation they’ll need to provide.

What are the benefits of a no doc mortgage?

A no doc mortgage is a type of home loan that allows borrowers to get financing without having to provide documentation of their income or assets. This can be beneficial for borrowers who are self-employed or have other sources of income that may be difficult to document.

No doc mortgages can also be helpful for people who are looking to purchase a home quickly and do not have time to gather all the necessary documentation.

There are several benefits of getting a no doc mortgage, including:

  1. You may not need to provide as much documentation, which can save you time when applying for a loan.
  2. No doc mortgages can be easier to qualify for than traditional loans since lenders are not relying on your income or asset documentation.
  3. You may be able to get a lower interest rate with a no doc mortgage than you would with a traditional loan.

How to Find the Best No Doc Mortgage Lender

No doc mortgages, also known as low doc or stated income loans, give borrowers an opportunity to purchase or refinance a home without having to provide extensive income documentation. These loans are perfect for self-employed borrowers who may have difficulty qualifying for a conventional mortgage.

If you’re in the market for a no doc mortgage, it’s important to shop around and compare lenders. Here are some tips on how to find the best no doc mortgage lender for your needs:

  1. Check out online directories. Online directories like No Doc Lenders List can help you quickly compare different no doc mortgage lenders in one place.
  2. Ask for referrals from real estate professionals. If you know any real estate agents or loan officers, ask them if they have any recommendations for no doc mortgage lenders.
  3. Read online reviews. Online reviews can help you find reliable no doc mortgage lenders.
  4. Check out the reputation of the lender s state license. You can do this by checking the state license of the lender.
  5. Verify that you qualify for a no doc mortgage loan in your state. Different states have different laws regarding no doc loans, so be sure to check with your local lender before applying for a no doc mortgage loan.
  6. Ask friends and family for recommendations.
  7. Ask your real estate agent or loan officer for referrals. 8. Go with a lender who has the best rates and the best customer service.
  8. Look for a lender who has experience with no doc loans.
  9. Go with a lender who has the best rates and the best customer service.
  10. If you have bad credit, ask about their foreclosure prevention program to help get your credit back on track.

The Disadvantages of a No Doc Mortgage

A no doc mortgage is a type of loan where the borrower does not have to provide any income documentation to the lender. This can be a good option for self-employed borrowers or borrowers who have difficult-to-verify incomes. Here are some of the best no doc mortgage lenders for these types of loans.


When you’re ready to stop renting and start owning, a no doc mortgage may be the best way to finance your home purchase. These mortgages come with higher interest rates than traditional loans, but they can be a good option for borrowers with less-than-perfect credit.

If you’re considering a no doc mortgage, it’s important to compare offers from multiple lenders. Be sure to ask about fees, interest rates, and repayment terms before you commit to a loan.

With careful research and comparisons, you can find the best no doc mortgage lender for your needs. This will help you get into the home of your dreams without overpaying for your loan.

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