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Stated Income Loans

$400,000 to $1,500,000

If you are buying or refinancing a home ...

• If you are salaried, provide two years W-2 and one month of paystubs
• If you are self-employed:
  • Provide two years tax returns
  • YTD profit and loss statement
  • Copy of the business license for the last two years
• If you own rental property, please provide rental agreements and two years tax returns.
• Please provide two months bank statements for each bank, stock and mutual fund account.
• Provide recent copies of any stock brokerage or IRA/401K accounts that you may have.
• If you are requesting a cash-out refinance please provide a letter explaining what you plan to do with the proceeds.
• Provide a copy of divorce decree if applicable.
• If you are NOT a US citizen, provide us with a copy of your green card (front & back), or if you are NOT a permanent resident provide us with your H-1 or L-1 visa.

If you are applying for a home equity loan ...

• If you are salaried, provide two years W-2 and one month of paystubs
• If you are self-employed:
  • Provide two years tax returns
  • YTD profit and loss statement
  • Copy of the business license for the last two years
• If you own rental property, please provide rental agreements and two years tax returns.
• Please provide a copy of the note on your first mortgage. This will normally be found in your closing loan documents.
• Please provide a signed letter explaining what you plan to do with the proceeds.
• Provide a copy of divorce decree if applicable.
• If you are NOT a US citizen, provide us with a copy of your green card (front & back), or if you are NOT a permanent resident provide us with your H-1 or L-1 visa.

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