Frequently Asked Questions

Do you have any programs that don’t require income documentation?

Yes, we do. Our asset depletion models allow for the computation of monthly income for a borrower based on the liquid assets they have in their bank, stock, and retirement accounts. No traditional income documentation is needed for this process, just asset statements documenting valuation and type of account.

Self-employed borrowers, especially those with multiple investment properties or companies, may qualify when their documentation is reviewed, as many items used to write off tax liabilities may in fact not have a bearing on income.  Please speak with an Empire consultant if you are concerned about documenting your self-employment income, it may be possible that you qualify!

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