No Income Check Mortgages
Self-Employed or Unemployed
Stated Income Home Loans
Owner-Occupied or Investment Properties
Program Highlights
Up to 80% LTV
Credit 650+
30-Year Amortization
Unlimited Cash-Out
No Tax Returns
No W2's
No Paystubs
No Income Verification
No Seasoning
Gift Funds Allowed
1-4 Units
From $75k to $5 Million
Key Features to Keep in Mind
First-Time Investors Welcome
No DSCR No Ratio Loans Available
No Tradeline Requirement with 3 FICO Scores
Condotels Allowed
Foreign Nationals Allowed
No Reserves Required on Purchases
Short-Term Rentals OK
Our Non-Qm Mortgage Programs
Stated Income Loans
Our residential and commercial property mortgage programs are designed for individuals who don’t qualify with traditional income docs.
Bank Statement Loans
Our Business Bank Statement program provides a loan solution to help borrowers qualify from their credit history and their Business Bank Statements.
No Ratio Loans
No rental income is used to qualify the property, strictly based on credit and equity in the property. No DSCR requirement on rental loans! Cash-out to 75% LTV!
Stated Income Mortgage News & Updates
Why is it Difficult for Self-Employed Individuals to Qualify for a Mortgage?
Self-employed individuals face unique challenges when it comes to qualifying for a mortgage. One of the main reasons is the inconsistency of income that comes with being self-employed. Traditional lenders typically prefer to see stable, predictable income from borrowers, which can be difficult for...
Who Would Benefit from a Stated Income Mortgage?
StatedIncomeMortgage.com is proud to offer a unique solution for individuals who may not qualify for traditional home loans due to their employment status. Our Stated Income mortgage program is specifically designed for self-employed borrowers, independent contractors, and even those who may be...
Welcome to StatedIncomeMortgage.com
StatedIncomeMortgage.com, a subsidiary of CommercialMortgage.com LLC, is a Florida-based mortgage broker specializing in working with self-employed individuals seeking to purchase or refinance properties without the need for traditional income documentation. Our Stated Income mortgage program is...