Stated Income Loans to Refinance a Mortgage with Non-Traditional Income Documentation

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

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  • Stated Income Refinance Loans
  • SIVA Mortgage Refinance to 90%
  • NO Income Verification Refinance
  • Limited Doc FHA Streamline
  • Bank Statement 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 No Doc Loans
  • 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

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Choose from No Income Verified Loans and No Doc Refinancing Opportunities from Stated Income Lenders and Brokers
- Limited Doc Streamline Check Stated Mortgage Requirements Today

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 self-employed and independent contractors find the best mortgage that meets your financing goals today, and you won't have to worry about your payment rising. Learn about self-employed loans with fixed interest rates that are guaranteed with set monthly payments for the term of the mortgage.

What credit scores do I need for a "Stated Income Mortgage" in 2018?

"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 income loans have become a commodity since the Dodd-Frank financial laws went into effect a few years ago.

Yes, the guidelines on reduced, limited and no-doc 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.

Note: The "stated income mortgage" relies on the borrower documenting a stellar credit history in lieu of documenting income, so this program is not to be confused with a no credit home loan. If you are not a good candidate for a reduced-doc program, talk to a loan officer about whether you have enough income that can be documented to qualify for a home loan with poor credit scores.

Stated Income Loans

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

Most stated income mortgage 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 income mortgages, no-doc loan options and how they apply to your credit qualification.

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  • 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
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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.

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