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Unconventional Mortgages - A Wealth of Information and Service: (800) 718-8906

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Stated Income/Verified Assets

Stated Income and SIVA Options: Stated income loans cater to self-employed individuals or investors with or without liquid reserve requirements who prefer simplified income verification. The Stated Income/Verified Assets (SIVA) option is available for borrowers who can verify their assets but not their income, offering a balance between flexibility and qualification requirements.

Stated Income/Verified Assets (SIVA) Loan Programs We Offer - Guidelines and Highlights:

Jumbo Investor Loan 90% LTV 720 Credit Score

Maximum Loan Amount Investor Mortgage – $3,500,000 This investment property loan program provides up to $3,000,000 for purchases and rate-term refinances, with cash-out refinancing available up to $1,500,000. Available for investment properties, non-owner-occupied homes, and second homes, the program allows

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03/25/2015 09/08/2025

Stated Income Verified Assets Owner-Occupied Jumbo

The Stated Income Owner-Occupied Jumbo program (updated July 31, 2025) provides borrowers who prefer not to provide income documentation or tax transcripts. Purchase loans to 90% LTV up to $3.5 million, cash-out up to 90% LTV to $2 million and

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11/13/2014 09/08/2025

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Alternative Income Documentation

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Unconventional Mortgage Lending

Stated Income Loan Programs

Purchase Loans | Alt Doc

Refinance Loans | Alt Doc

Cash Out Refinance

Construction Loans

Second Mortgages

Bank Statement Second Mortgages

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