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Pacific Crest Financial > Loan Program Information > Stated Income

STATED INCOME LOANS

WHAT HAPPENED TO ALL THE STATED INCOME LOANS? Did they disappear? Well, the short answer is "yes... but...". Most stated income loans have gone away, however we do have some lenders that are currently coming into the market with stated income loans right now. Pricing is currently a littler higher than conventional loans but that may come down soon. Please call for up-to-date pricing and loan program information.

"Thank you for your service. You treated us just like an old friend."

Ron & Darleen
Tulare, Calif.

WHAT IS A STATED INCOME LOAN?

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A stated income loan qualifies a borrower using the income the borrower states on the loan application, as opposed to the income the borrower can document. With a stated income loan, the lender agrees not to attempt to verify the income the borrower states on the application. While lenders don't check income on a stated income loan, they do check the source of the income. They do require that you have held the same job for at least two years.



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