Stated Income
Stated Income Loans with Village Mortgage
Stated Income Loans are a flexible financing option designed for borrowers who may not have traditional income documentation but still have the means to repay their mortgage. At Village Mortgage, we specialize in helping self-employed professionals, entrepreneurs, and investors in California access this unique loan product that prioritizes financial reality over rigid requirements.
Unlike conventional loans that require extensive paperwork such as tax returns, pay stubs, and W-2s, Stated Income Loans allow borrowers to “state” their income on the application. Lenders then verify the borrower’s ability to repay the loan using alternative factors like bank statements, credit history, and asset levels. This makes the process faster and less stressful for individuals with non-traditional income sources.
At Village Mortgage, we recognize that many Californians earn income in ways that don’t fit neatly into conventional documentation. Business owners, freelancers, and those with seasonal or commission-based work often face unnecessary barriers in traditional lending. With Stated Income Loans, we remove those obstacles and give you the chance to secure financing that reflects your true financial strength.
One of the main advantages of Stated Income Loans is their flexibility in qualifying criteria. These loans are often ideal for high-net-worth individuals who may have significant assets but prefer not to disclose detailed income records. Our team ensures that every client understands the eligibility requirements and helps structure applications to highlight financial capability.
Stated Income Loans also provide faster approval times compared to traditional mortgages. Since the emphasis is not on tax documents, the underwriting process can move more quickly, allowing borrowers to secure funding and close on properties without unnecessary delays. Village Mortgage streamlines this process to give you a competitive edge.
Another benefit is the opportunity to finance a wide variety of property types. From primary residences and second homes to investment properties, Stated Income Loans can be used to achieve diverse real estate goals. Our advisors help you determine the best loan structure for your property type and long-term plans.
Interest rates for Stated Income Loans may vary, but Village Mortgage works diligently to find the most competitive terms available. We believe in pairing borrowers with the right loan that balances affordability with flexibility, ensuring you get the financing you need without compromising your financial stability.
For real estate investors, Stated Income Loans are especially valuable. Instead of being restricted by traditional income verification, investors can leverage their cash flow and asset base to continue building their portfolios. Our team provides strategic advice on how to use this program to grow wealth and maximize returns.
At Village Mortgage, our goal is to make financing accessible for every borrower, no matter their situation. With Stated Income Loans, we provide an alternative pathway to homeownership and investment that respects your unique financial story. By combining industry expertise with personalized service, we ensure that securing a Stated Income Loan is a smooth, transparent, and empowering experience.
