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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:

Super Jumbo Investor Loan

Super Jumbo Real Estate Investor Loan Program to $5,000,000 This investor program was created for seasoned professional Business Purpose Real Estate Investors for most property types without being required to reveal any sort of conventional income documentation or Verification of

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Non-Prime True No Doc Mortgage Program

The Non-Prime True No Doc Mortgage Program is an equity-driven, alternative documentation option tailored for borrowers with unconventional income or documentation (like the self-employed, fixed-income individuals, or those with past credit challenges). No income, asset, or employment verification is required—Debt-to-Income

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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

Credit Score Tools