Stated Income Refinance Mortgage Loans

Recently, most banks and lenders cut "stated income mortgage" programs, but we still offer no income refinance loans to qualified applicants in the U.S. There are more requests today for stated income mortgages because there are more self-employed and independent contracting borrowers than ever before. Therefore, the need for mortgage refinancing with reduced income documentation is also greater than ever. BD Nationwide is a great reputation matching people with refinance specialists that offer stated income mortgage refinance loans, no doc home refinancing, and streamlined FHA loans with very little documentation required. Consider taking out a quick and easy no income verified mortgage loan online and take advantage of our automated loan process for quicker closings.

Compare No Documentation Refinance & Stated Mortgage Programs Now

  • Stated Income Refinance Loans
  • SIVA Mortgage Refinance to 90%
  • NO Income Verification Refinance
  • Limited Doc FHA Streamline
  • Bank Statement Doc Loan for Self-Employed and Independent Contractors
  • Stated Income Refinance Under the Streamline Program with VA and FHA
  • Reduced Documentation Refinance Programs
  • Low Interest Only Mortgage Refinancing
  • Stated Income- Verified Assets Loans
  • Low Fixed Rates Guaranteed for Life
  • Finance Solar Energy Installation
  • No Income No Assets Refinance
  • Cash Out for Debt Consolidation

A fixed rate mortgage usually requires a higher payment than the teaser rate ARM loans, but after a few years you will have principal paid down on the mortgage and increased home equity as well. Interest rates are on the way up, so don't wait too long to apply for a low rate mortgage refinance, because of income verification concerns. Our experienced team of loan professionals can help you find the best mortgage that you can afford today and you won't have to worry about your payment rising. Our fixed rate loans are guaranteed with set monthly payments for the term of the mortgage.

rate term refinance

Choose from No Income Verified Loans for Home Refinancing
- Limited Doc Streamline Check Stated Mortgage Requirements Today
What type of credit scores do I need for a "Stated Income" mortgage loan?

"Stated Income" loans require less income documentation than traditional loans, so credit scores become the major compensating factor when no income verification is required. Stated loans have become a commodity since the Dodd-Frank financial laws went into effect a few years ago.

Yes the guidelines on reduced and limited documentation loans has changed but it is still possible to refinance with an alternative to traditional income documentations, such as: tax returns, W2's, 1099s and pay stubs.

Stated Income Loans

How long do I need to be self-employed to qualify for a no income verification loan?

Most lenders have set underwriting guidelines at 2 years as a minimum for self-employed borrowers in the same line of work. For decades, self-employed borrowers have sought "stated mortgage" programs, because many do not get paid in the form of a traditional pay-check.

Gov. Resource: Fed's Consumer's Guide to a Mortgage Refinance

Find Out Today's Updated Mortgage Rates

Get an accurate quote for a mortgage loan or refinance. Our experienced loan officers will assist you in getting up to speed with the current mortgage rates. We will help you understand the various stated loan options and how they apply to your credit qualification.

For a Free Mortgage Refinance Rate Request

  • Get Access to Money for Home Remodeling with Limited Documentation
  • High LTV Refinancing with No Mortgage Insurance
  • Stated Refinancing with a Wide Range of Income Documentation Allowed
Resource Tools

Loan Comparison Calculator
Utilize our mortgage tools to calculate the payment options for four different types of home loans. Whether you want a "stated income refinance" or a limited document mortgage, we have a wide variety of reduced doc-mortgages.

No Income Verified Refinancing

Get more information from our lending team today. Find out the eligibility requirements for no income home loans and stated mortgage products in all 50 States.

Refinance with No Documentation

Home Purchase Loan with No Credit

Additional Refinancing Pages:
Refinancing after a Bankruptcy | Second Mortgage Refinance | Adjustable Rate Refinance | Refinancing Loans | FHA Mortgage Refinancing | Mortgage Refinance Options | 100% Refinancing | Cash Out Refinance | Sub-Prime Mortgage Refinancing | Mortgage Refinance Rates | Mortgage Refinance for Rental Properties | Mortgage Refinance Second Home
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