SIVA program

Our SIVA (Stated Income, Verified Assets) mortgage program is for self-employed borrowers whose income cannot be documented using conventional methods, not because they choose not to, but because standard tax returns, paystubs, or W-2s simply don’t tell the full story.

Instead of qualifying based on income, approval is determined by verified assets and documented reserves, offering a practical and transparent solution for borrowers with complex financial profiles.

How the SIVA Program Works

With a SIVA mortgage, borrowers state their income, but neither income nor employment is verified. Qualification is based entirely on asset strength and reserve requirements, making this program ideal for borrowers whose cash flow is real but difficult to capture on paper.

This approach allows financially strong borrowers to move forward without forcing inaccurate or incomplete income documentation into a conventional loan box.

Key Program Highlights

• No income verification required
• No employment verification
• Qualification based on verified assets only
• Up to 50% loan-to-value (LTV)
• Residential properties only
• Owner-occupied, second homes and investment properties

Asset & Reserve Requirements

• 12 months of reserves required for borrowers owning fewer than two properties
• 6 months of reserves required for borrowers owning two or more properties
• Assets must be fully documented and sourced
• Eligible assets include bank accounts, brokerage accounts, and other qualifying liquid reserves

Ideal For

• Self-employed borrowers with complex or non-linear income
• Business owners whose tax returns do not reflect true cash flow
• High-net-worth individuals with significant liquid assets
• Borrowers impacted by write-offs, depreciation, or reinvestment strategies
• Clients seeking a conservative, low-leverage loan structure

We specialize in non-QM and asset-based mortgage solutions. Our team is experienced in structuring SIVA loans that align with both lender guidelines.

Contact us. We’ll review your scenario and determine whether SIVA or another asset-based option best fits your needs.