Stated Income Mortgage Loans for Orem UT 800-247-8212

No Tax Returns Needed – No Balloon – No Income Verification – No Upfront Fees. If you write off all of your income and can’t give a bank 3 years tax returns showing a good profit or don’t want to show your returns, this is the program for your Commercial real estate property. Self employed business owners and investors have always had a tough time qualifying for a bank loan for purchase money or refinancing. We make financing easy.

Stated Loan Highlights:

  • Loan Amounts: Minimum $150,000 to $10,000,000
  • Max. Loan To Value: 75%
  • Min. Interest Rate: as low as 6.49%
  • No Balloon Payment
  • Term: 30 years fully amortized (adjustable periods)
  • Adjustment period: Fixed for 3 years and then adjustable for year 4 though 30

Do You Qualify?

  • Do you have a mid FICO score of at least *650?
  • Does your commercial building have equity?
  • Is your building in a non-rural area?
  • Are you a US citizen or have a valid green card and social security number?

*We may possibly finance your commercial real estate if your credit score is as low as 600 as long as we stay under 50% of the value of the property.

If you’ve answered yes to the above questions you are well on your way. We can help you with the following refinance or purchase the following types of properties. (Sorry – No Rehab or Construction Loans)

  • Commercial Offices
  • Medical Offices
  • Office/Industrial Condos
  • Apartment Buildings
  • Light Industrial
  • Shopping Centers
  • Mixed Use Properties
  • Storage Centers
  • Warehouses
  • Office Parks
  • Strip Malls
  • Retail Shops
  • Banquet hall (send interior photos)
  • Daycare (send interior photos)
  • and more…

It only takes a few short weeks to complete your transaction. Our usual time is 5 to 6 weeks for a commercial type property.

How To Get Started Today:

  • Loan Application
  • 3 Credit Bureau Report with FICO Scores (pull your own credit report from – purchase the 3in1 report with scores)
  • For a purchase, provide a signed Purchase Agreement (including all signatures) with at least an 8 week term

As simple as that. You’ll receive a Conditional Loan Approval within a few hours and you’ll be on your way to achieving the loan you want. We’ll be there to answer your questions along the way and provide you with exceptional service.