Well I hope this helps! If you have any further questions or if you need a loan, feel free to contact me. Also, if you found this helpful please leave me a recommendation if you can!
Brian Nguyen Sr.
NMLS # 659743
One lender recently emailed me advertising a loan with income review, based on bank statements' income, but the rate was pretty high. It was the 1st instance since 05'.
Hope this helps,
Beachfront Realty, Inc.
If you want to try for a traditional mortgage with the best rates possible, I could qualify you for a payment on $60,000 with roughly $1150 in monthly income over the past two years, assuming you have no other debts and meet all other guidelines. This number would be adjusted accordingly depending on other monthly debt expenses, and could even be lower depending on the automated underwriting decision.
I could have an approval for you within 3-4 days if you'd like to apply.
You can start your application online at: https://equitybuilders.startmyapplication.com/smaweb/index.jsp
My direct number is 714-603-9383.
Sorry for the sarcasm, I'm sure it's frustrating to be sent on a wild goose chase. I just don't know why people post they can do something when they cannot.
A few questions for you.
What rate are you at? VOE programs will carry a higher rate anyway so even if you did find one it might prove futile.
Why do you need a stated income product? The loan amount seems relatively small; what is your DTI with whatever income you can verify?
And finally, what income can you verify and have you had an experienced loan officer look at it for you?
I have a mortgage broker with whom I work closely, name is Brook Johnson. I would love to put you in touch with him. Just send me an email or give me a call, and I will get you his contact information immediately. He can help answer any questions you may have, and work to get you a lower rate.
Looking forward to your response,
Alan Kurpiewski, REALTOR
CA BRE Lic. 01912043