Bottom Line Up Front
Modern stated income programs require 20-30% down, 700+ credit, and asset verification. For high-net-worth borrowers with complex finances.
Overview
Modern stated income programs require 20-30% down, 700+ credit, and asset verification. For high-net-worth borrowers with complex finances.
Who Qualifies?
20-30% down. 700+ credit. Significant reserves.
Key Benefits
- ✓Reduced documentation
- ✓Faster processing
- ✓Complex income situations
✅ Pros
- Minimal income docs
- Fast closing
⚠️ Considerations
- Large down payment
- Higher rates
- Limited availability
California-Specific Information
Serves high-net-worth CA borrowers whose complex finances make traditional docs impractical.
Rates & Pricing
1.5-3% premium above conventional.
Why Choose Save Financial for Stated Income Loans?
Save Financial is a trusted California mortgage broker (NMLS #377740) with 45 years of combined experience and relationships with 20+ wholesale lenders. We specialize in finding the best stated income loans rates and terms for California borrowers. Our $500 price guarantee means if we can't beat another lender's offer, you get $500. We serve 60+ California cities from our offices in Newport Beach and Marina del Rey, and our team speaks English and Spanish.
Call (888) 703-1840 or get a free quote online — open 7 days a week, 9AM–8PM.
$500 Cash Loan Price Match Guarantee
Get a written offer from any lender. If Save Financial cannot beat it for the same product, we pay you $500 cash.
NMLS #377740 · DRE #01875766 · Call (888) 703-1840
Reviewed By
Mike Baasti, Licensed Mortgage Broker
Founder of Save Financial, Inc. (NMLS #377740) in Newport Beach, CA. 20+ years in residential and investment lending across conventional, FHA, VA, jumbo, hard money, bank statement, and specialty mortgage programs.