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New York Stated Income Mortgage NJ Loan

Do you want to apply for a loan but cannot proof your income? no need to worry!

I have teamed up with a few local portfolio banks located in New York and New Jersey who are still offering some of the best stated income mortgage products in the country. These loans are ideal for self employed borrowers and those who do not want to deal with the paperwork associated with full documentation loan programs.

Stated Income Guidelines:

  • 1-4 family and condos owner occupied
  • Title on LLC or Trust OK
  • No income documentation required
  • Asset documentation required (can use business assets to qualify)
  • Self employed borrowers only
  • No minimum fico as long as there is solid payment history and no collections or judgments.
  • 70% LTV up to 1 mil and 65% up to 2 mil.

To get more information on this STATED INCOME program, please call me at 347-559-5626 for a free consultation or email me at This e-mail address is being protected from spambots. You need JavaScript enabled to view it

Here is some of the documentation we will need for your stated income loan:

  • Business License or CPA Letter (stating how long self employed and how long CPA has been employed by applicant)
  • Most recent 2 months bank statements from your personal and business accounts.
  • Assets must be verified and be consistent with stated income.

We have helped thousands of self employed borrowers with their home financing needs. The beauty of stated income products is that you simply “state” your income and lenders place added weight on your credit scores, payment history, assets.

The Stated Income Loan is available in all the following Counties of New Jersey: Atlantic, Bergen, Burlington, Camden, Cape May, Cumberland, Essex, Gloucester, Hudson, Hunterdon, Mercer, Middlesex, Monmouth, Morris, Ocean, Passaic, Salem, Somerset, Sussex, Union, Warren.

The Stated Income loan is available in the following Counties in New York:Suffolk, Nassau, Rockland, Orange, Putnam, Westchester, Dutchess, Columbia and Richmond (Staten Island) counties.

Posted by administrator Jan 20, 2010

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