Penn Funding Services,Inc.: Pennsylvania Pittsburgh.

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What is No Doc? It is a new loan that replaces your existing 1st mortgage. It is not simply a loan modification. Because the refi is a new loan, lenders will treat the transaction as such, and will require most, if not all, of the same documentation that is needed for a purchase mortgage. This means that you must provide the income, credit, asset verifications outlined on the "loan documentation" page located elsewhere on this web site.

Additionally, the lender will want either a new or updated appraisal, credit report, title search, title insurance, survey, flood certificate, etc. As a result of these requirements, you will incur closing costs. These costs can be handled in one of three methods: 1) paid in cash; 2) added to the loan balance; or, 3)financed into the interest rate. How the costs are handled and quite frankly, whether or not you should No Doc, is typically a function of how long you expect to keep the loan and property. I will be happy to help you with this analysis.

Also, since a refi is new loan, you will be required to re-set the insurance and tax escrow account at the closing. However, once the old loan is paid off, you will receive a refund of the escrow account from the old lender. The new escrow amount needed at closing should be equal to the amount in your existing escrow account.

What is the process for getting a loan? The loan process is slightly different for every person, and at Penn Funding No Doc and cash out we recognize that each loan is unique. However, there is a pattern to the loan process, and you should know what to expect before you decide to apply. At Penn Funding No Doc and cash out, your Pennsylvania No Doc home loan is assigned a loan consultant who will personally assist you through the entire process and help you close your loan in as little as ten business days. What types of loans does Penn Funding No Doc and cash out offer? Penn Funding No Doc and cash out offers a wide range of products to meet all your financing needs, from 30-year fixed rate Philadelphia No Doc home loans to 6-month ARMs and home equity loans. Penn Funding No Doc and cash out's latest innovation is the Penn Funding No Doc and cash out Express Philly No Doc home loan, a loan with reduced paper work and a streamlined appraisal, making the process faster and cheaper. How is Penn Funding No Doc and cash out different from traditional pittsburgh No Doc home loan lenders? Penn Funding No Doc and cash out was founded on the principal of offering its customers the best loan selection and price, while maintaining superior service. Penn Funding No Doc and cash out gives you more control over the decision making process, since you are fully informed of the loan options available and kept up to date on the loan's progress 24 hours a day through your loan consultant and our personalized, password-protected online tracking system. Unlike traditional brokers, at Penn Funding No Doc and cash out you do not pay commissions to your Loan Consultants, providing you substantial savings. Our goal is to offer better service, lower fees, greater control and a streamlined process. A Allentown No Doc home loan loan can be obtained online without having to visit your local bank or Pittsburgh No Doc home loan company. Click onto our No Doc home loan loan link to the left, fill out the basic application, and get a quick answer for the Lancaster No Doc home loan of your choice. Your Harrisburg No Doc home loan loan can be a fixed or variable rate loan, and short or long term. Establish a payment that fits your budget. Welcome to No Doc home loan Loans the smart and easy way to get your loan. What is Lebanon No Doc home loan Loans and how does this work? Reading No Doc home loan Loans is fast and easy. Complete one simple form and receive up to four offers as the top lenders in your city compete for your loan. Welcome to Bethlehem No Doc home loan. Since 1989, we have been providing consumers with research reports on Norristown No Doc home loan Loans.