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
Home Financing Without Traditional Income or Credit Requirements
Many borrowers have substantial property equity but cannot satisfy the documentation standards imposed by conventional mortgage lenders. They may be self-employed, recently experienced a...
Recently Funded: $2.375 Million 30-Year Fixed Interest-Only Mortgage in Kings Point, NY
We recently helped a borrower in Kings Point, New York, secure a $2.375 million 30-year fixed-rate mortgage with a 10-year interest-only feature. While the transaction may have appeared...
Retired Borrowers Do Not Need a Paycheck to Qualify
Many retired clients assume that once they stop receiving a traditional paycheck, qualifying for a mortgage becomes difficult or impossible. That is not always true. A borrower may no...