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Bank Statement & Stated Income Loans

At IA Mortgage we understand that there are times when self employed individuals may have a difficult time documenting their income through traditional methods. That’s why we offer a variety of stated income and bank statement programs to better meet the needs of our clientele.

How it Works

  • We use bank statements and assets to help you qualify rather than tax returns or W2s.
  • Credit requirements can be less restrictive than conventional financing options.
  • Past credit events such as bankruptcies, foreclosures, and short sales may be fine after two years.
  • Business and personal bank statements may be used to help qualify

Call us today for a free consultation – (888) 934-6634

Qualification Requirements*

  • Up to 90% LTV no MI
  • Credit scores down to 600
  • 12 month personal bank statements
  • 24 month business bank statements
  • Loans up to $3 million
  • DTI up to 50% considered
  • Owner-occupied, 2nd homes and investment properties
  • 2 years seasoning for foreclosure, short sale, bankruptcy or deed-in-lieu
  • Interest-only available
  • 2 year self-employed required
  • No tax returns required

*Additional term and conditions may apply. Qualifications may change from what is posted on this page. Please contact an IA Mortgage Mortgage Professional for the most up-to-date information.

Got questions? Give us a call! One of our mortgage specialists would be happy to answer all of your questions and get you started with a great low rate today!

Working with Imagination Age Mortgage, Inc.

  • We put YOU first.
  • Imagination Age Mortgage, Inc. offers some of the most competitive rates in the Nation!
  • Fast and efficient, we close most of our loans in 30 days or less.
  • We offer a variety of loans. Imagination Age Mortgage, Inc. can help you find the loan that is right for you!!!
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