No Documentation
Home Equity Lines/Loans

Home Equity Lines, Home Equity Loans, Second Mortgage

Just One Click = Today's HELOC Rates

Pennsylvania - Home Equity Line of Credit Home Equity Line of Credit - Hawaii Home Equity Line of Credit - Alaska West Virginia Home Equity Line of Credit Virginia Home Equity Line of Credit District of Columbia Home Equity Line of Credit Maryland Home Equity Line of Credit Delaware Home Equity Line of Credit New Jersey Home Equity Line of Credit Connecticut Home Equity Line of Credit Rhode Island Home Equity Line of Credit Massachusetts Home Equity Line of Credit New Hampshire Home Equity Line of Credit Vermont Home Equity Line of Credit New Hampshire Home Equity Line of Credit Maine Home Equity Line of Credit Vermont Home Equity Line of Credit Home Equity Line of Credit - New York Home Equity Line of Credit - Michigan Home Equity Line of Credit - Wisconsin Home Equity Line of Credit - MINNESOTA Home Equity Line of Credit - OHIO Home Equity Line of Credit - Kentucky Home Equity Line of Credit - Indiana Illinois - Home Equity Line of Credit Home Equity Line of Credit - Iowa Home Equity Line of Credit - Missouri Home Equity Line of Credit - North Carolina South Carolina Home Equity Line of Credit Home Equity Line of Credit - Florida Home Equity Line of Credit - Georgia Home Equity Line of Credit - Tennessee Alabama - Home Equity Line of Credit Home Equity Line of Credit - Mississippi Home Equity Line of Credit - Louisiana Home Equity Line of Credit - Arkansas Home Equity Line of Credit - Oklahoma Home Equity Line of Credit - TEXAS Home Equity Line of Credit - New Mexico Home Equity Line of Credit - Arizona Home Equity Line of Credit - Kansas Home Equity Line of Credit - Nebraska Home Equity Line of Credit - Colorado Home Equity Line of Credit - Wyoming South Dakota Home Equity Line of Credit Home Equity Line of Credit - North Dakota Home Equity Line of Credit - Montana Idaho Home Equity Line of Credit Washington Home Equity Line of Credit Home Equity Line of Credit - Oregon Home Equity Line of Credit - Utah Home Equity Line of Credit - Nevada Home Equity Line of Credit - California

Start by selecting your state

Is limited documentation (aka EZ doc, no income qualifier) available on


Yes, it is possible to get a second mortgage without documenting your income. Most lenders will require that you have approximately 20% equity in your property (after closing on the second mortgage) and the rate typically will not be as favorable as when income documentation is provided.

No income verification loans on second mortgages are very rare and difficult to obtain. Typically they are asset based in nature and require verification that a borrower has 100% of the loan amount requested held in reserve in a liquid account.

To increase the likelihood of approval for a no income verification loan on a second mortgage, borrowers may need to demonstrate a strong credit history and a low debt-to-income ratio. Additionally, lenders may look for other forms of financial stability, such as consistent rental income or a significant investment portfolio, as supplementary evidence of the borrower's ability to repay the loan. It's also essential for borrowers to understand that these types of loans often come with higher interest rates and fees, reflecting the increased risk to the lender. By carefully evaluating their financial situation and considering the costs involved, borrowers can make informed decisions when exploring such specialized lending options.


Home Equity Lines and Loans?

Refinance at Today's Low Rates!


Other Home Equity Line and Home Equity Loan Questions

Get the Updated and Improved Mortgage Rates App from ERATE.com

iPad for Mortgage Rates