“True” Stated Income loan:
No tax returns, no W2’s, no pay stubs, AND NO 12-24 months bank statements. Loans up to $2.5mm / Rates from *4.75% for a 30-year loan fixed for 7 years.
Must be a self-employed business owner in the same location for over 2 years with a minimum FICO score of 720 for purchase (740 for cash out refi). Easier qualifying if you have a website or if your company appears on an online directory. Requires a letter from your tax preparer.
*5.29% APR, 60% LTV, California Owner- Ocuppied, $1.00mm Loan amount, 740 Credit Score*
Recap of our Loan Products:
- Stated Income Loans (Great for business owners and self-employed)
- Foreign Nationals Loans (no social security or residency required)
- Hard Money Loans (30-50% down / minimal documentation) Fund in 7-10 days.
- Raw Land & Lot Loans
- Ground up Construction for spec homes, custom homes and commercial ground up.
- 2nd Position Loans up to $5mm
- Investor Cash Flow Loan – No tax returns or DTI calculation! Based on subject property cash flow
- Farms, Vineyards, Ranches and Agricultural Properties (25-30% down)
- Flipper Loans (Flip a property with one of our many options)
- 1% down Jumbo’s with NO MI up to $2.5mm
- Manufactured Housing / Mobile Homes (20% down / 620+ credit score)
- Acreage Properties
- Commercial Loans up to $100mm
- 5% down Conventional (Lender paid PMI)
- Cannabis Loans
We also offer:
- 10, 15, 20, 25, 30 year Fixed, Conventional Conforming Loans (under $417k)
- High Balance Conforming aka Super Conforming (from $417k-$625k)
- Jumbo’s to $10 Million / Super low rates! / 10% down Jumbo to $2.5mm
- FHA, VA, USDA
- ARM’s
- Reverse mortgages up to $10 Million Value
- Refinance including Cash Out
Please don’t hesitate to call me for immediate attention to your scenario!
