STATED INCOME LOAN PROGRAMS
Bank Statements
12-24 Months
Use Business or Personal Bank StatementsNo Tax Returns Required
Interest Only Available
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Primary Residence, Second Home and Investment Properties
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Purchase, Rate/Term and Cash-Out Refinance
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Loans $150k to $15 Million +
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Fixed and ARM’s
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600 Min-FICO
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90% Max LTV
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No Reserve Requirements and No Prepayment Penalty
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No Mortgage Insurance Required
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SFR, Condos, Townhouse and 2-4 Units
Popular
Stated Income Loans
No Income Documentation Required(Depending on Program)
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Residential Investment and Commercial Properties
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Primary Residences Allowed under Business Purpose * Call
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Purchase, Rate/Term and Cash-Out Refinance
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Loans $150k to $5 Million
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Fixed and ARM’s
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650 Min-FICO
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75% Max LTV (Maybe 80% depending on scenario)
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Residential = SFR, Condos, Townhouse and 2-4 Units
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Commercial = 5+ Units, Mixed Use, Retail, Office, Warehouse, Self Storage, Automotive
Investor
P&L Program
Creative Income Qualifying-
Primary Residence, Second Home and Investment Properties
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Purchase, Rate/Term and Cash-Out Refinance
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Loans $150k to $15 Million
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Fixed and ARM's
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600 Min-FICO
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SFR, Condos, Townhouse and 2-4 Units
Popular
Stated Income
Primary Residence
Creative Solution if Unable To Show IncomeNo Tax Returns Required
Interest Only Available
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Primary Residence Only
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Purchase, Rate/Term and Cash-Out Refinance
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Loans $150k to $5 Million
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Fixed and ARM’s
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650 Min-FICO
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75% LTV Purchase / 70% LTV Refinance
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No Reserve Requirements and No Prepayment Penalty
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No Mortgage Insurance Required
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SFR, Condos, Townhouses
Primary Res
Asset Depletion
High Net-Worth Individuals
Interest Only Available
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Use Personal Bank Statements – No Tax Returns
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Primary Residence, Second Home and Investment Properties
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Purchase, Rate/Term and Cash-Out Refinance
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Loans $180k to $5 Million +
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Fixed and ARM’s
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600 Min-FICO
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90% Max LTV
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SFR, Condos, Townhouse and 2-4 Units
High Worth
Other Mortgages
Various Ways To Qualify-
1099 Borrower's - We have programs
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Portfolio Loans – We can fund these in excess of $50+ Million.
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Conventional – Full doc (tax return) mortgages
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FHA Loans - Lower down-payment options
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VA Loans - Zero down payment
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Reverse Mortgages - Borrower's needing income
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Jumbo and Super Jumbo Mortgages - $50 Million+
Other MTGS
