No-Income-Verification Loans

Stated Income Mortgages/No-Income-Verification Loans for Real Estate Investors available Nationwide with Stratton Equities.

A no-income-verification loan is a type of loan program that doesn’t require the borrower to provide documentation of income. Unlike conventional loans, these loans (also known as no-doc & stated income mortgages) offers a solution to investors who couldn't satisfy full documentation loan programs.

At Stratton Equities, we utilize these loan programs for Real Estate Investors, as it makes it easier to secure financing.

Borrowers may find it difficult to qualify for traditional mortgages due to their unstable or undocumented income as well as the tougher documentation requirements from lenders.

With bank statement loans you still have to qualify for your DTI (debt to income ratio),  most lenders use bank statements (typically up to 2 years) to confirm a borrower’s income rather than tax returns and recent pay stubs like traditional mortgages.

 

Each lender has its own underwriting requirements and guidelines to determine net income, therefore if you don’t qualify with one lender, there are other lenders that you will.

Bank statement loans are offered through non-QM lenders, like Stratton Equities - however, we offer a mortgage program that supersedes a bank statement loan, which is a true stated income/no-income verification/no-do mortgage. This particular loan program benefits investment properties and commercial properties nationwide.

 

Not all lenders offer Stated Income loans, but Stratton Equities has pioneered this unique and rare loan for borrowers nationwide looking to expand their investment opportunities. 

Submit your loan scenario today and you'll hear back from one of our top loan officers within 24 hours!

What is a no-income verification loan?

NO-INCOME-VERIFICATION Loan Summary

  • Blanket Loan Options Available

  • Single-family, Condos, Townhomes, Multi-Family, Commercial, Mixed Use, Office, Retail, Industrial, Warehouse

  • $75K – $10M

  • Loans up to 80% of value

  • Fixed rates/Adjustable

  • 12 months, 5, 7, & 30 year terms 

  • Purchase, Refinance, or Cash Out

  • Foreign nationals eligible

Ready to Finance Your Investment Properties?

Apply now. Our originations team is ready to work on your loan.

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Rates, terms and conditions offered only to qualified borrowers and are subject to change at any time without notice. Closing times are in business days and commence upon receipt of appraisal payment and satisfaction of borrower conditions. Closing times may be delayed due to appraiser property access . All loans are subject to full underwriting for loan approvals.