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Simplify Your Mortgage with a Stated Income Loan
Get Approved for a Home Loan Going Stated Income—Perfect for Self-Employed Borrowers!
- Purchase, refinance, or take cash-out
- We are one of the biggest stated income lenders
- No tax returns needed
- Go "no doc" or use bank statements
- As much as 90% loan to value
- Credit score as low as 650
- Our LO's are trained to listen to your situation and be creative
- Perfect for 1099 and self-employed borrowers
Trusted by 1,460 people
What is a Stated Income Loan?
A Stated Income Loan is a type of mortgage designed for borrowers who may not have traditional income documentation, such as W-2s or tax returns. Instead of providing detailed income verification, borrowers state their income, which is then verified through other means such as bank statements or financial statements.
This type of loan is ideal for self-employed individuals, freelancers, or those with irregular income sources. By focusing on overall financial health and alternative income verification methods, these loans make it possible for a wider range of borrowers to qualify.
- Easy to qualify
- Consolidate debt
- Credit score as low as 650
- Fast approvals
- No tax returns
- Use business or personal bank statements
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4.6/5 from 130+ reviews
4.9/5 from 30+ reviews
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4.4/5 from 45+ reviews
See what our clients say about our stated income loans
First-Time Homebuyers' Delight
Suzie and the Truss Financial Group exceeded our expectations in securing our mortgage as first-time homebuyers. Suzie's expertise and guidance made the potentially daunting process incredibly smooth and manageable.
Great for Bank Statement Loans
I did a bank statement income loan and it chose to not include some deposits. This is just a heads up, not a complaint. Truss is definitely a good company, and I would ABSOLUTELY work with them again. Marcus was honest and helpful throughout the process.
Personalized Service
"I am more than pleased to work with Delania Tak and would confidently recommend her to anyone seeking reliable assistance in securing a loan. Her commitment to excellence and personalized care make her an exceptional choice."
Cash-Out Refinance Made Easy
Thank you so much to Guillermo Correa and Truss Financial. They made doing my cash-out refinance a piece of cake! The interest rate was much lower than other lenders I checked with. The fees were reasonable, and the timeline was very smooth.
Exceptional for Self-Employed
After months of struggling with other lenders, Paul at Truss Financial made it easy to complete a cash-out refinance of a new primary residence. As a small business owner and real estate investor, my income situation is complicated but Paul was able to guide me through the process with relative ease.
Innovative Solutions for Self-Employed
Garrett Jimenez was super creative and helpful every step of the way. Being self-employed makes getting a loan difficult. But he found ways to overcome each and every hurdle and really hit a home run for us.
Talk to a stated income loan expert
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