There are still some counties in CA that are stated income loans. In other words, you may state your income without verification. The lender may still pull your returns to ensure that you've claimed some form of income but they will not look at the income itself. You'll have to ask a broker to find out which counties fall into that scenario or call PSC MORTGAGE BANCORP Mr. Rene St Lanne 760-910-3838. I believe it's Southern Cal.