Looking for a Stated Income Loan?

For over 3 decades we have helped thousands of Home Buyers, Home Owners, Realtors, Lenders and Brokers with our loan programs for their real estate needs.

Depending on which financial entity you visit, “stated income loan” can have different meanings and qualifications.  We are not here to repeat any past market crash due to unethical mortgages, so we do Stated Loans the right way.

Stated Income Loans

Stated income loans from Private Investors are considerably more stable and credit worthy than the ones of a decade or so ago. We just require something showing income: this could be a CPA letter, employer letter, paystub, lease agreements, 3 months of bank statements, etc.  We also require proof that you, the Borrower, can repay the loan with income from available and stable source(s).

See how you can get a fast private loan with us for much less stress: https://www.sunpacificmortgage.com/hard-money-loans-us/

Experience has left a lot of us shuddering when we hear about mortgages based on “stated income.”  We remember the many Homeowners who fell into foreclosures and ended “upside down” in their mortgages largely because they were clearly unable to afford the mortgages they accepted.

While other financial institutions require an excess of documentation to prove you do not exceed their debt-to-income ratios, need excess bank statements, tax return, etc., our company accepts a simple form of proof that verifies your ability to repay the proposed loan.  We also do not have set debt-to-income ratios like majority of the other traditional and conventional entities.

Because of how simple our Stated Income program is and how few regulations there are, the entire lending process is less cumbersome and allows the loan to move through approvals much faster. For this reason, one can state their income, provide proof of such income and we can then often close a loan in less than a week!


How Can Sun Pacific Mortgage Help?

In our 30+ years in business we have been able to assist many borrowers with this type of loan.  They are always extremely grateful for our financial help in achieving their goals. We can make this happen for you, too!

Please give us a call with any questions or requests.  You can also send us an email through our website contact form and we’ll respond promptly.  We are here to assist you with all your hard money lending requirements.

Don’t hesitate to CALL NOW (707) 523-2099 for a free proposal, have any questions answered, or to start your loan process.

Got a Question?

We can help. Simply fill out the form below and we’ll contact you with an answer, and no obligation to you. We guarantee your privacy.

    (Your information will not be given out or sold. Only someone from our family company will review your email and be in touch soon. We hope to be able to help!)

    * We ONLY Offer Loans for Real Estate.
    * Our Lenders do NOT finance mobile homes. Any manufactured house MUST be on a permanent foundation for us to consider financing it.
    * Minimum loan amount starts at $150,000.
    * ARV/Future Value Financing not available

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    Stated Income Loans