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Stated Income Loans, Yes, They Are Coming Back

Just a few years ago, stated income loans were very popular and there were plenty of stated income lenders who had flexible guidelines and low stated income rates. Then the credit crisis hit and lenders began pulling their stated income mortgage programs. As lenders began to stop offering stated income loans, many small business owners… [Read More]

Why stated income loans?


These loans are nominally intended for self-employed borrowers, or other 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. For example, a standard… [Read More]

IRS Documents Are Not Taken Into Consideration


When borrowers apply for stated income mortgage loans, the documents that the Internal Revenue Service has on record are not taken into consideration and do not carry any weight in the decision of whether or not a loan will be approved. We can help you, visit us today.

How to Play the Mortgage Game if You’re Self-Employed


Mortgage lenders have tightened requirements across the board in the wake of the housing crisis, but now—even as the workforce increasingly moves away from traditional 9-to-5 employment—self-employed borrowers have a tougher time securing a mortgage. It’s an issue felt by many, as the Small Business Administration reported that the number of Americans who were self-employed… [Read More]

Proof of Employment Is Not Required


For those borrowers who want to apply for a stated income mortgage loan, they will NOT be asked to provide any proof of employment. We can help you, visit us today.

Stated income loans make comeback as mortgage lenders seek clients

Get Pre-Approved for a Stated Income Loan

“Mortgage applicants who can’t provide tax returns or pay stubs to show their income are getting stated income loans again as companies such as Unity West Lending and Westport Mortgage chase customers they can no longer afford to ignore. Lenders say these aren’t the same products as the so-called “liar loans” that were pervasive before… [Read More]

Reuters: Stated Income Loans Re-emerge In Mortgage Market


An increase in stated income loans is being seen in the mortgage space as lenders seek new ways to attract clients, Reuters reports. The loans, which are for those who can’t provide tax returns or pay stubs to show their income, are making a comeback as companies such as Unity West Lending and Westport Mortgage chase… [Read More]

Stated Income Loans Come Back in 2016 – For Some Borrowers


Stated income loans don’t require income documentation and can be a big help for borrowers with stacks of tax returns. Here’s who can take advantage of the resurrected mortgage program. Even after all the lessons learned after the mortgage crash, there still are home loans that do not require the borrower to show their tax returns. It… [Read More]