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Stated Income Mortgages

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Refinance Purchase

Stated Income Mortgages

A Stated Income Mortgage is a perfect fit for borrowers who don't qualify for traditional financing based on their tax returns or W-2 income. This program looks at the borrower’s overall financial and credit profile as well as an eligible third party’s certification of the borrower’s income.

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Why Choose Us
Low Rates

We offer one of the industries lowest rates.

Secured Online Process

Upload loan documents and e-sign mortgage forms online.

Exceptional Customer Service

Your dedicated Loan Specialist will be your guide from application to closing.

Fast Financing

We’ll help you close quickly, so you can get the keys to your new home in no time.

How it works
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Our real clients testimonials

Stated Income program overview

  • Primary, second, or vacation homes
  • For investment property financing visit our Investment Property Program
  • 1-4 family, co-ops, condos & PUDs1 on loan amounts of up to $3 million
  • 80% maximum loan-to-value ratio & 720 minimum credit score*
  • 75% maximum loan-to-value ratio & 700 minimum credit score*
  • 65% maximum loan-to-value ratio & 680 minimum credit score*
  • Self-employed borrowers - Accountant’s letter & 12 month P&L2 (No tax returns or Form 4506)
  • W2 borrowers - Verification of Employment
  • Assets verification - 1 month bank statements (Family gifts acceptable)
  • Eligibility requirements, exclusions & other terms & conditions apply

Licensed in Florida - New Jersey - Colorado - California