True Stated Income Now Available

Mortgages just got easier! For the first time in years, True Stated Income is now available. Primarily, this means a) no income documentation, b) no 4506-T, and c) no written verification of employment.


  1. Minimum FICO: 700
  2. 12 months reserves
  3. Loan amounts up to $2.5M
  4. 40% down payment requirement up to a loan amount of $1M
  5. 45% down payment requirement up to a loan amount of $1.5M
  6. 50% down payment requirement up to a loan amount of $2.5M
  7. Condo 55% up to $750K
  8. 2-4 units 50% up to $1.5M


  1. CPA letter or two years business license
  2. Description of business and third party verification required
  3. Salaried: Employment verification must show on Credit Report.

If borrower opens and account with an Auto Payment Feature for the mortgage, there will be a 0.25% reduction in cost.

  • 1 unit, SFR, Condo, PUD, 2-4 units allowed
  • Primary, second home, and investment
  • Loan amount up to $2.5M
  • Self-employed and salary borrowers
  • Eligible states: California

Questions? Click here to message a mortgage expert, or talk to one live by calling (626) 316-7289.

"Thank you for your assistance. As always you professionalism stands above any other Loan officer we have worked with in the past. You keep us well informed throughout the process and stay true to the time line .  We appreciate…"


"As you are on the verge of getting ready to make what is probably the biggest purchase of your life, I would highly recommend making Mark part of your team to ensure a seamless, painless loan funding experience.  He will…"

Jazmin Estrada

"Thanks for all your hard work!! We appreciate it soo much! It's been such a pleasure working with you. With soo much stress at work and planning the wedding, we were so happy to have you working diligently on our…"

Amanda Ceballos

"Hi Mark, I will be getting the keys to my home today. I want to thank you for everything you have done. Thank you for your patience in helping me get thru this huge step in my life. You and…"

Ruben Cardenas

"Many thanks to you both for assisting me with this process. You’ve made what can seem like a daunting task very stress free. I’m very appreciative of your support and assistance every step of the way with this process. I’m very…"


"Thank you Mark! You’ve been a pleasure to work with. I never imagined it would be this easy to refinance. Thanks for your services!"

Rebecca Simonson P.E., LEED AP