Stated Income Loans 2019

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Our stated income loans don’t require you to provide W-2 forms or other types of paperwork. You’re simply going to “state” your income and we will do all we can to get you approved. These loans are provided here in Texas for investment properties and owner occupied dwellings.

If you are buying a home and had low income reported on your tax returns use this program in lieu of full-doc programs with just as little as 10% to 20% down on primary residence or as much as 85% loan to value on refinances without cash out. Our loans go up to $5,000,000 for our Bank Statement Loan Program of 2018 Call for details.

When doing a stated income or bank statement program loan, we do look at your credit score. These programs are a lot more lenient than traditional loans are so we can go as low as a 500 FICO score at times. Also when doing a bank statement loan, we are very easy on past short sales, foreclosures, or derogatory credit.

Non Fannie Mae Lenders Fannie Mae Non Borrowing Spouse – – fannie mae generally requires lenders to obtain a two-year history of the borrower’s prior earnings as a means of demonstrating the likelihood that the income will continue The lender may use a Fannie Mae-approved vendor tool to complete the written analysis and calculate self-employment income. Hecm Non-borrowing Spouse.

The Three Main Types of No Doc & Low doc loans. stated Income (Low Doc) Loans. Stated Income Loans, or Low Doc loans, typically attract people who work on a cash or commission basis or people who don’t draw a consistent salary.

Non Bank Lenders List CRF Connect2Capital is a non-bank lender that provides SBA 7(a) loans to small businesses in low-income areas.. small Business Loans Depot offers an assortment of loan types, including bank.

If you are self employed and have a credit score of at least 660, we can use your bank statements, rather than tax returns, to verify your income. 90% maximum LTV (10% down) with a 720 minimum credit score. 85% max LTV with a 660 minimum credit score. Primary residence and second home options available. $100,000 minimum loan amount.

Its loans have minimum APRs of 7.99% and as high as 14.99%. high debt and poor credit and might not get approved by other lenders. It also has no stated minimum income requirement; similar lenders.