New Stated Income Loans


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New Stated Income Loans | Valor Lending Group

Are you interested in one of our new stated income loans?

Valor Lending Group has got you covered!


What is a True Stated Income Loan?

The new age 2022 “True Stated Income” loan is different from the early 2000s. In the past, a borrower could just state their income with no verification process of any kind.

The True programs that are available for borrowers today require only proof of asset reserves.

Instead of showing your tax returns lenders use an alternative way of verifying your asset reserves using 1 month bank statement, that’s it.

These new programs give self employed and W2 wage earners an alternative avenue to verifying their asset reserves, you can use both personal and business bank statements. Also, you should expect to be required to have at least a 700 credit score and usually 20% or higher for the down payment.

New Stated Income Loan Highlights:

  • Owner Occupied and 2nd Home Only
  • Income not Stated
  • 1 month Bank Statement
  • Up to 80% LTV on Purchases & R/T Refinances
  • Up to 70% cash-out
  • Maximum Loan Amount $3M
  • No Tax Returns
  • No Employment
  • No Income
  • Credit worthiness is based on LTV, credit score and current liquidity


If you would like to discuss more details on qualification and requirements, I am available to answer any questions you may have.

Recap of our Loan Products:
  1. Hard Money Loans (20% down / minimal documentation) Typically Fund in 7-10 days.
  2. Stated Income Loans (Great for business owners and self employed ) No tax returns!
  3. 100% financing is available (we can cross collateralize other properties if there is enough equity)
  4. Valor VA Home Loan 100% financing up to $1.5MM
  5. Investor Cash Flow Loan – No tax returns or DTI calculation! Based on subject property cash flow
  6. Flipper & Rehab Loans (Flip a property with one of our many options)
  7. 2nd Position Loans up to $5mm
  8. Raw Land & Lot Loans
  9. Ground up Construction for spec homes, custom homes and commercial ground up.
  10. Farms, Vineyards, Ranches and Agricultural Properties (25-30% down)
  11. Manufactured Housing / Mobile Homes (20% down / 600+ credit score)
  12. Acreage Properties
  13. Commercial Loans up to $500mm
  14. 3% & 5% down Conventional Loans– LPMI (Lender paid mortgage insurance)
  15. Foreign Nationals Loans (no social security or residency required)
We also offer:
  1. 10, 15, 20, 25, 30 year Fixed, Conventional Conforming Loans
  2. High Balance Conforming aka Super Conforming
  3. Jumbo’s to $10 Million | 10% down Jumbo to $1.5mm
  4. FHA, USDA
  5. ARM’s
  6. Reverse mortgages up to $1 Million Value
  7. Refinance including Cash Out

**Rates and terms subject to change without notice

We are never too busy for your referrals.

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