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Stated Income Loans

  • Loan Amount up to $5,000,000
  • Purchase Up to 75% LTV
  • Non-Warrantable Condos
  • No Income Documentation
  • No Reserves
  • Primary Homes Only
  • Gift Funds Allowed
  • Minimum Score 650
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Stated Income Loans

These loans are nominally intended for self-employed borrowers who might have difficulty documenting their income.


Stated income loans have been extended to customers with a wide range of credit histories, including subprime borrowers.

Stated Income loans fill a gap of situations which normal loan standards would not approve. Stated Income loans also help borrowers where fully documented loans normally would not consider the source of income as being reliable and stable, such as investors who consistently earn capital gains. Fully documented loans also do not consider potential future income increases.