Stated Income Investment

Stated Income Investment Loans

No Income Verification (Stated) loans are now available for purchase, refinance and cash out refinance transactions. This particular loan product is available for Investment Properties only.  For Primary Residence and 2nd homes with alternative income doc options please see our page title "Alt Income".

  • "Stated Income" available for Single Family Homes, Condo's, Town Homes and 2-4 Units

  • Non Owner Occupied /Investment Property ONLY - Borrower must currently own a primary residence.

  • Loan Amounts $250,000 to $1,000,000  - Over $1mm requires "exception". No exceptions for a loan amount under $250,000

  • Stated Income Verified Asset for Purchase Loans and Stated Income/Stated Asset available for Cash Out Refinance.

  • Maximum LTV 70%:  30% down for purchase and 30% equity required for refinance.  Some exceptions made to 25% down for a purchase loan in some states.

  • All Stated Income Loans Will Require 2.5 points as an added closing cost.

  • Some States and products will require pre payment penalties and others will not. 

  • Minimum FICO Score 640

  • Not All Product Options available in all states. Rates, products, and product options subject to change with out notice.

Stated Income Investment loans currently available in  AL, AR, AZ, CA, CO, DC, DE, CT, FL, GA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MT, NC, NE, NH, NJ, NY, NV, OK, OR, PA, SC, TN, TX, UT, VA, WA, WI, WY (updated 4/25 /2018) 

For questions or a personal Rate Quote please use the contact form below, call me at (303) 482-5983 or email me with your scenario details at

I'm available 7 days a week to help you find the best loan option for your scenario.


John Peisner
Mortgage Banking

(303) 482-5983
NMLS #239185

Bank Of England Mortgage
5600 S. Quebec Street #225D
Greenwood Village, CO 80111

Please use the contact form below to share as much about your loan scenario as you would like. This will enable me to provide a timely written quote with loan terms, rates, lender fees and estimated monthly payments.  The more details you can provide the quicker and more accurately I can respond.  I'm usually available 7 days a week via phone or email for your convenience.  Please let me know how we can help!

Please use format xxx-xxx-xxxx for the phone number field below.  Thank you!

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