STATED INCOME LOAN PROGRAMS

PROGRAMS FOR BORROWER'S UNABLE TO QUALIFY USING TAX RETURNS

Bank Statement Loan

Use Business or Personal Bank Statements
No Tax Returns Required
Interest Only Available
  • Primary Residence, Second Home and Investment Properties
  • Purchase, Rate/Term and Cash-Out Refinance
  • Loans $150k to $15 Million +
  • Fixed and ARM’s
  • 600 Min-FICO
  • 90% Max LTV
  • No Reserve Requirements and No Prepayment Penalty
  • No Mortgage Insurance Required
  • SFR, Condos, Townhouse and 2-4 Units
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Popular

Stated Income Loans

No Income Documentation Required
Interest Only Available
  • Residential Investment and Commercial Properties
  • Primary Residences Allowed under Business Purpose * Call
  • Purchase, Rate/Term and Cash-Out Refinance
  • Loans $150k to $5 Million
  • Fixed and ARM’s
  • 650 Min-FICO
  • 75% Max LTV (Maybe 80% depending on scenario)
  • Residential = SFR, Condos, Townhouse and 2-4 Units
  • Commercial = 5+ Units, Mixed Use, Retail, Office, Warehouse, Self Storage, Automotive
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Investor

P&L Program

Creative Income Qualifying
1099 Borrower Option
  • Primary Residence, Second Home and Investment Properties
  • Purchase, Rate/Term and Cash-Out Refinance
  • Loans $150k to $15 Million
  • Fixed and ARM's
  • 600 Min-FICO
  • SFR, Condos, Townhouse and 2-4 Units
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Popular

Stated Income
Primary Residence

Creative Solution if Unable To Show Income
No Tax Returns Required
Interest Only Available
  • Primary Residence Only
  • Purchase, Rate/Term and Cash-Out Refinance
  • Loans $150k to $5 Million
  • Fixed and ARM’s
  • 650 Min-FICO
  • 75% LTV Purchase / 70% LTV Refinance
  • No Reserve Requirements and No Prepayment Penalty
  • No Mortgage Insurance Required
  • SFR, Condos, Townhouses
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Primary Res

Asset Depletion

High Net-Worth Individuals
Interest Only Available
  • Use Personal Bank Statements – No Tax Returns
  • Primary Residence, Second Home and Investment Properties
  • Purchase, Rate/Term and Cash-Out Refinance
  • Loans $180k to $5 Million +
  • Fixed and ARM’s
  • 600 Min-FICO
  • 90% Max LTV
  • SFR, Condos, Townhouse and 2-4 Units
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High Worth

Other Mortgages

Various Ways To Qualify
Interest Only Options
  • 1099 Borrower's - We have programs
  • Portfolio Loans – We can fund these in excess of $50+ Million.
  • Conventional – Full doc (tax return) mortgages
  • FHA Loans - Lower down-payment options
  • VA Loans - Zero down payment
  • Reverse Mortgages - Borrower's needing income
  • Jumbo and Super Jumbo Mortgages - $50 Million+
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Other MTGS
Equal Housing - Stated Income Loans

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