Stated Income Mortgage Loans

Stated income home financing

Stated Income Mortgage Loans |Starting at 4.25%

Our stated income programs are available for self employed borrowers.  We have several different programs for different property types.  The program rates vary and depend on the amount of documentation you are able or willing to provide.  Contact us today to get a free rate quote.

Stated income loans are for self employed borrower’s and can help borrowers get a mortgage without using tax returns, W2 or paystubs. Because self employed borrowers tend to have many more expenses and deductions then wage earners, their tax returns show much less available income.

Custom Mortgage has many available mortgage programs to help self employed borrowers get mortgages when traditional banks cannot approve their loan application.

Lending Territories

Lending Territories By State
  • California
  • Florida
  • Georgia
Lending Territories By City
  • California Cities
  • Bakersfield, CA
  • Chico-Redding, CA
  • Eureka, CA
  • Fresno-Visalia, CA
  • Los Angeles, CA
  • Monterey-Salinas, CA
  • Palm Springs, CA
  • Sacramento, CA
  • Stockton, CA
  • Modesto, CA
  • San Diego, CA
  • San Francisco, CA
  • Oakland, CA
  • San Jose, CA
  • Santa Barbara, CA
  • Yuma, AZ-El Centro, CA
  • Florida Cities
  • Fort Myers (Ft Myers)-Naples, FL
  • Gainesville, FL
  • Jacksonville, FL
  • Miami-Fort Lauderdale (Ft Lauderdale), FL
  • Mobile, AL-Pensacola (Fort Walton Beach – Ft Walton Beach), FL
  • Orlando-Daytona Beach-Melbourne, FL
  • Panama City, FL
  • Tampa-Saint Petersburg (St Petersburg) (Sarasota), FL
  • Georgia Cities
  • Albany, GA
  • Atlanta, GA
  • Augusta, GA
  • Columbus, GA
  • Macon, GA
  • Savannah, GA
  • Thomasville, GA

Bank Statement Programs

Use bank statement deposit as income instead of taxes, W2’s and paystubs

  • Max Loan to Value: 90%
  • Max Loan amount: $25,000,000.00
  • Rate Range: 4.25% to 6.75%
  • Min Credit: 600 Middle FICO Score

Debt Service Ratio Programs

Use the rental income of your investment property as income

  • Max Loan to Value: 80%
  • Max Loan amount: $5,000,000.00
  • Rate Range: 5.25% to 7.5%
  • Min Credit: 620 Middle FICO Score

Profit and Loss Mortgages

Use the profit and loss statement of your business as proof of income

  • Max Loan to Value: 75%
  • Max Loan amount: $5,000,000.00
  • Rate Range: 5.25% to 7.5%
  • Min Credit: 660 Middle FICO Score
Super Jumbo Commercial loans
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Contact us today at 877-976-5669


We can use the deposits into your personal bank account or your business bank account and calculate your income based on the average monthly deposits.

  • 3 Months Bank Statements (business or personal bank statements)
  • 12 Months Bank Statements (business or personal bank statements)
  • 24 Months Bank Statements (business or personal bank statements)

Debt Service Coverage Ratio DSRC

Our DSCR Programs make is easy for borrowers that are requesting a mortgage on their investment property to qualify based on the rental income of their property. As long as the rental income is more then the mortgage payment, we can usually get your loan approved.

Profit and Loss Programs P&L Mortgages

Custom Mortgage P&L programs are ideal for self employed borrower, we can use your profit and loss statement for your business to calculate your income. These programs are easy and convenient for primary residences and investment properties.

Contact us today at 877-976-5669

Apply Now