Designed to provide an outline of the procedures and documentation required to process commercial real estate loans for Stated Income Group.

General Underwriting Guidelines

We will originate commercial loans consistent with our guidelines. Primary consideration will be given to the value of the real estate securing the loan and the likelihood that our loan can be repaid by the cash flow from the property.

MP_Image-2In the risk evaluation process areas of most importance are:

• Strength of real estate
• Cash flow adequacy of the property
• Strength of the local real estate market
• Adequacy of financial data
• Borrower’s credit history
• Experience of Management

Credit analysts will rely on our real estate group to review and to evaluate the strength of the real estate, but should take care to incorporate those findings into the final approval decision. In addition, we will evaluate the borrower’s credit history, underwrite the title report to ensure our loan is a first lien on the property, review relevant inspection reports and purchase contracts (if applicable), review borrower disclosures and the application, assess any environmental concerns and evaluate the complete file for creditworthiness.

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Loan Submission Form, 1003 (residential application) and Credit Report is required.

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Stated Mortgage Loans for Commercial & Residential Properties Nationwide

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Faster, Easier, Simpler

That’s Stated Income Group Loans Our company provides unique mortgage solutions for the underserved real estate investors of commercial and residential investment properties nationwide. We understand the importance and value of Stated Income Lending Programs for non-conforming borrowers and property types.

Our Signature

Our Core Expertise Stated Income Unlike traditional lenders, we specialize in real estate investment capital. Our success is built on our ability to provide professional financing services to Realtors and Mortgage Brokers. We can guarantee you the most competitive mortgage products available in the marketplace today.

Our Capabilities

Commercial and Residential We offer loans from $75,000 to $5 million nationwide on multifamily, mixed-use, office, retail, warehouse, self-storage and Residential Investment Properties ranging from SFR to Fourplex units. Financing for almost every purpose: purchase, refinance and cash out refinance.

Stated Income Group Loans
Residential – Up to $2 MILLION | Commercial – Up to $5 MILLION

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