True "No Doc" loans are illegal.. portfolio lenders or hard money lenders have much more relaxed guidelines, but they all require you show income sufficient to service the debt.. with 40% down, you should be able to find someone.. however if you have so much for a down payment, I would take some of that money and invest in getting your credit restored.. spend $500-$1000, can save you tens of thousands in fees and interest... I'm a Broker here in Scottsdale AZ and I only lend in Arizona. If you or someone you know is looking for financing options, feel free to contact me or pass along my information. 480-287-5714 WilliamAcres.com
Not going to happen with any traditional lender... Sorry. Maybe a private lender. Good luck.
Yes, we have a Portfolio Stated Loan Program with 40% down. Email me at MortgageLendingPro@gmail.com or call 801-971-6901.
Ask our community a question.