Stated Income Loan Available!
Receive a quote on an Stated Income Loan today.
No W-2s, No Problem — Qualify Based on What You Say You Earn
WHY CONSIDER A STATED INCOME LOAN?
If you’re self-employed or have irregular income that doesn’t show well on paper, a Stated Income Loan may be the flexible solution you need. With this program, you declare your income—no tax returns or pay stubs required.
✅ No Tax Returns Needed
Perfect for self-employed borrowers or freelancers who legally minimize taxable income.
✅ Streamlined Approval Process
Faster than traditional loans, with less paperwork and more flexibility.
✅ Ideal for High Cash-Flow Borrowers
Qualify based on your declared income—not what’s shown after deductions.
✅ Purchase or Refinance
Use it to buy a new home, second home, or refinance an existing property.
✅ Built for Entrepreneurs
Real estate investors, business owners, and consultants often choose this route to avoid red tape.
ABOUT STATED INCOME LOANS
A Stated Income Loan allows you to “state” how much you earn on the loan application, without having to verify that income through tax returns, W-2s, or standard income documentation.
Instead, lenders may consider alternative factors such as:
1.Asset Assessment: The lender evaluates your liquid assets. These commonly include:
Bank statements
Credit score
Employment or business history
Property type and down payment
While these loans come with slightly higher interest rates, they offer freedom and flexibility for those who don’t fit into a conventional box—but have the means to repay.
WHO QUALIFIES?
You may be eligible for a Stated Income Loan if:
You’re self-employed or a 1099 earner
You have strong credit (typically 660+)
You can make a reasonable down payment (usually 10–30%)
You have consistent bank deposits or assets that show financial ability
You're buying a primary residence, second home, or investment property
This loan is not for those trying to hide income—it’s for qualified buyers whose actual income just isn’t easily documented.
Get Your Stated Income Loan Quote Now!
Get a Rate Quote in Just 30 Seconds!
Mortgage rates change daily and vary depending on your unique situation. Get your FREE customized quote here .
© Copyright 2023 NEXA Mortgage. All rights reserved
NEXA Mortgage - NMLS# 1660690
5559 S Sossaman Rd Building 1 #101, Mesa, AZ 85212
https://nmlsconsumeraccess.org/EntityDetails.aspx/COMPANY/1660690
NEXA Mortgage LLC is an Equal Housing Lender
.
Notice To Texas Loan Applicants: Consumers wishing to file a complaint against a mortgage banker, or a licensed mortgage banker residential mortgage loan originator, should complete and send a complaint form to the Texas Department of Savings and Mortgage Lending, 5559 S Sossaman Rd Building 1 #101, Mesa, AZ 85212. Complaint forms and instructions may be obtained from the department’s website at www.sml.texas.gov https://bit.ly/3B5pAfz.
A toll-free consumer hotline is available at 1-877-276-5550. The department maintains a recovery fund to make payments of certain actual out of pocket damages sustained by borrowers caused by acts of licensed mortgage banker residential mortgage loan originators. A written application for reimbursement from the recovery fund must be filed with and investigated by the department prior to the payment of a claim. For more information about the recovery fund, please consult the department’s website at www.sml.texas.gov