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Yes. They offer what are called “easy/no-doc” loans, mortgages that require little or no documentation to verify the borrower’s income and assets – that is as long as the borrower makes a big enough down payment, generally 25 percent or more.

These loans are common among self-employed borrowers who have difficulty substantiating all of their income, and service industry employees, such as waiters and hair stylists, whose pay is hard to pinpoint exactly. Borrowers who derive most of their income from commissions, or those with very complicated income structures, may also use no-doc loans.

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