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Stated Asset

How to Make Overtime Income Help you Qualify for a Mortgage

July 11, 2016 By Justin McHood

Overtime income is becoming more and more popular today, but that does not mean it will automatically give you the approval you need on your mortgage. If you do not handle it correctly, it will not help your case. Lenders cannot take overtime income at its face value and add it to your base income. […]

The Necessary Compensating Factors Needed for Low Doc Loans

June 7, 2016 By Justin McHood

Low doc loans are the new form of subprime loans that we all got so used to in the past. Because subprime really is not a thing anymore, lenders had to come up with a more creative program that still met the Ability to Repay Rules. This program is the low doc program, which essentially […]

Can Limited Documentation Secure you a Home Loan?

March 27, 2016 By Justin McHood

Can Limited Documentation Help your Need for a Mortgage--STATEDASSET.COM

Limited documentation can mean a wide variety of things when it comes to applying for a mortgage. Today, if you are applying with one of the smaller lenders that tend to keep some of their mortgages on their books, you could be talking about a loan that is very similar to the stated income or […]

The Top Ways to Get a Stated Asset Loan

March 15, 2016 By Justin McHood

The Top ways to get a stated asset loan-STATEDASSET.COM

A stated asset loan, similar to a stated income loan, gives you a little flexibility in your qualification requirements if you do not have a straightforward salaried job that allows you to easily verify your documents. While many people assume this loan is no longer in existence, many lenders are bringing it back. You will […]

Jumping Through Hoops to Secure Stated Asset Loans

March 4, 2016 By Justin McHood

Stated asset loans used to be a thing of the past. Once the housing crisis occurred, every lender clammed up and only offered straightforward, fully verified loans. This is understandable given the amount of foreclosures and defaults banks went through after providing loans to people that they really had no idea if they could afford […]

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