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STATED INCOME
&
NO DOCUMENTS
Mortgage Loans Are Back!
Ray James Enterprises™ is a Saint Louis, Missouri-based real estate property management company and mortgage loan brokerage. We've been helping families, private investors, and first-time home buyers get property loans since 1993.
We hold direct mortgage loan broker relationships with 30 of the largest and most trusted "hard money" lenders and private investors in North America. There's no need to waste days and weeks searching the Internet for a NO DOCUMENT mortgage loan OR STATED INCOME LOAN! You've already found the nation's best...Ray James Enterprises.
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You're tapping into $50 billion in assets earmarked to help private real estate investors just like you get a mortgage loan. It took us 25 years of exhaustive research, relationship building, and negotiating to put these lenders in place. Now, let's get to work.
Close Your Mortgage Loan in 7 to 10 Days
We are America's premier provider of 'no doc' and stated income residential mortgage loans.
Unlike conventional loans offered by banks, hard money loans are supported by a pool of private investors.
Stated income loans do no require W2's, 1099's, or Tax Returns.
No doc mortgage loans are ideal for landlords and private real estate investors seeking to purchase second homes or investment properties without the hassles the come with traditional loans.
How Stated Income Loans Work
Stated-Income mortgage loans are a type of reduced documentation mortgage loan program where the borrower is not required to documentation to support stated income or assets.
To qualify for a true stated income mortgage loan, only an average credit score is required.
Our pool of lends approve mortgage loans for applicants with FICA scores as low as 580.
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No IRS tax returns, No W2’s, No Form 4506, No Bank Statements. Just a legitimate business and a property which meets underwriting conditions.