• Ask about our bank statement program which eliminates the use of tax returns and we just use the deposits in your bank account to calculate income.
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Coop Investments
bank statemen program

Stated Income Mortgage

If you are a successful business owner and at some point, you tried to apply for a mortgage loan but you do not qualify for a conventional loan, then our stated income loan program is the answer. After all, why should the self-employed have difficulty qualifying for a mortgage when they are the foundation of American business?

We offer a stated income mortgage program that is suitable for that individual that is just not showing the income that qualifies them for a mortgage loan requesting. We add value by providing a smart fast and easy way to fund investor 1 through 4 residential and commercial loans with no income documentation required. In New York, we can finance stated income loans on primary residence as well.

Some of our updates are:

  • Loan Amounts up to $2 million
  • Up to 65% loan-to-value
  • Jumbo loan amounts from $2 million to $5 million
  • Up to 60% loan-to-value
  • Purchase or refinance
  • Flexible income verification
  • Fast closings
  • Great loan option for self-employed individuals and foreign nationals

So what makes us different? We have all the dependable characteristics of a professional mortgage broker and all the flexibility and speed of a private lender with none of the downsides. Let us show you what we mean, as a mortgage broker was not working for anyone but you,  we don’t charge any origination points, also since our stated income loans have thirty year terms borrowers will not be faced with a balloon mortgage. Our common sense underwriting approach allows us to fund loans that banks won’t because we never request pay stubs or tax returns we ignore DTI (debt to income) ratios and we leave out the 4506 form.

We know that borrowers deserve better options and better options are exactly what we offer. Our stated income loan is not a familiar process as we don’t ask for the same documents that are used on residential loans just a loan application and a credit report. In fact, borrowers all over the USA depend on our stated income mortgage program and our proven track record and financial stability. So if you having difficulty obtaining a mortgage loan because you are self-employed or writing off expenses that don’t qualify you for a loan, our stated income mortgage is the answer. Give us a call or fill out the Fast Quote request form and one of our licensed and courteous professionals will try to help you with mortgage financing.

To contact us by phone call 800-535-0270 or email us by clicking here.

*This product is not regulated by the New York State Department of Financial Services

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