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03-19-2007, 12:08 AM
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#1 |
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Confirmed User
Join Date: Jan 2006
Location: Houston, TX
Posts: 1,477
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Documentless Mortage....
Has anyone here successfully done the documentless mortage through Chase? I know the interest rate is much higher... but when you're an IC... I hate getting all this stuff together...
And what do you think the average credit score for it would be? You think over 680 would be okay for a 300k mortage? Or should I wait to pop 700?
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03-19-2007, 12:30 AM
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#2 |
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Confirmed User
Join Date: Jan 2004
Posts: 2,052
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Anything over 600 would be a slam dunk !
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03-19-2007, 12:32 AM
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#3 |
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Confirmed User
Join Date: Jan 2006
Location: Houston, TX
Posts: 1,477
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So I'm probably stressing for nothing then?
LOL I've been losing sleep with affiliate pimping, SEOing, just non stop work.. to try to get student loans paid off quickly.. to keep boosting my credit score... I'm terrified... and I don't want to talk to anyone.. until I'm prepared..
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03-19-2007, 12:56 AM
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#4 |
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Confirmed User
Join Date: Jan 2004
Posts: 2,052
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A no-Doc with a 680 is pretty much 100% !
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03-19-2007, 01:13 AM
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#5 |
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ICQ 1 6 7 8 5 3 4 9 2
Join Date: Feb 2003
Posts: 13,098
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yah I think 680 gets good rates...dont worry dude
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03-19-2007, 01:17 AM
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#6 |
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Confirmed User
Join Date: Jan 2006
Location: Houston, TX
Posts: 1,477
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Thank you, bitches.
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03-19-2007, 12:19 PM
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#7 |
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Confirmed User
Join Date: Aug 2004
Posts: 484
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yeah you should be good w/ a 680
if chase wants a down and you dont want to put a down any good broker can get you one without a down goodluck!
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03-19-2007, 12:27 PM
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#8 |
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Old broad
Join Date: Oct 2002
Location: Away
Posts: 13,933
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I did a nodoc refinance through my local bank - it was a breeze but I have over 700 FICO and was only financing about 65% of the appraisal. Putting at least 20% down should make it a slam dunk, besides not having to pay PMI.
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03-19-2007, 12:30 PM
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#9 |
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Confirmed User
Industry Role:
Join Date: Feb 2005
Location: SoCal
Posts: 1,922
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It all depends on the LTV, Loan to Value, of the transaction. The higher the LTV, the higher your FICO needs to be and th higher the rate goes. FICO of 680 is usually the minimum for many investors to do a No Doc.
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