No Documentation
Home Equity Lines/Loans

Home Equity Lines, Home Equity Loans, Second Mortgage

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.
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