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Fast Closing

Don’t wait months for approval and funding. LBC Mortgage can have your loan closed in as little as 20 days.

No Tax Return

We do not require documents generally used to verify your income, which makes it perfect for self-employed.

Instant Pre-Approval

Don’t wait long to find out if you were pre-approved or not. Your loan can be pre-approved in as little as 24 hours.

Satisfaction Guaranteed

We have over 25+ years of combined mortgage finance experience and we know what we are doing.
25Years in Business
24Hours Pre-Approval
7500Happy Buyers
 

Stated Income Loans

Are you looking to get a home loan but don’t have income verification sources like pay stubs, 1099s, or 1040 tax returns? A stated income home loan may be right for you.

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What is a Stated Income Home Loan?

Often times if you’re self-employed, transitioning between jobs or have other circumstances affecting your ability to document your income, you may have trouble getting a home loan from a bank.

Now, in order to address these issues, a new type of home loan, known as a Stated Income Home Loan or a No Income Verification (NIV) Loan has become available.

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How Does a Stated Income Home Loan Work?

If you’ve ever applied for a loan, you know that there are all kinds of income verification hoops to jump through. With a Stated Income Home Loan, you simply state your income on the application, and the underwriters will review it based on your credit score, occupation, bank statements and other assets.

Where Can I Buy a Home with a Stated Income Home Loan?

If you’re looking to buy a home in a major metropolitan area including Los Angeles, San Diego, Santa Barbara, San Jose, Sacramento and San Francisco to name a few, you’ll be glad to know that Stated Income Mortgage Loans are available for these areas, as well as throughout California.

The truth is, you can buy a home anywhere in California, including Los Angeles, with a Stated Income Home Loan. It works in much the same way as a traditional bank loan, but without the lengthy income verification process.

OUR RESULTS SPEAK FOR THEMSELVES

LBC Capital In The Words Of Our Clients

  • “Impressed by the loan amount. However, what I like most is the speed and easiness of loan process time which makes it fun working with this company!”
    Alla Tenina
    Attorney At Law
  • “All of my expectations were exceeded. Ana was always available to discuss the loan procedure and answer all of my questions.”
    Moti Gamburd
    CEO
  • “Best mortgage company I have ever worked with. Investing in properties with only 1 day pre-approval makes my entire workflow seamless. I don’t think anybody can offer a better loan.”
    Eugene Fogel
    President & CEO

Need Professional Advice?

(855) 225-2345

Getting The Best Rates Matters!

Paying for an expensive mortgage can have a lasting impact on your financial future. At LBC Mortgage, we focus on offering you the most affordable options with real time rate quotes and flexible loan terms to make your purchase possible.

Our expertise, experience and ability to offer flexible financing options set us apart.