Stated Income Loan – Hawaii and California

Our Hawaii and California Stated Income Loans, with their quick application and hassle-free processes, are designed for investors with complex financials, good credit, and substantial liquidity.

*This program is no longer available but please check out the following Pacific Home Loans Alternative Document Loan Programs:

Self-employed borrower
No tax returns needed – Qualify with 12 months’ bank statements
Bank Statement Loan

High net worth borrower
No employment or income needed. It is possible to qualify based on assets alone – The Asset Depletion Loan can be used concurrently with the Bank Statement Loan.
Asset Depletion Loan

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As an alternative to Hard Money Loans, without the high-cost and inflated rates of Private Money, Pacific Home Loans offers the following loan programs for Investors Only.

Investor – No income verification loan
The applicant will complete the traditional underwriting process with no income verification.
No Income Verification Loan

Investor – Property cash flow loan
This program is designed for experienced real estate investors and qualifies borrowers based on cash-flow solely from the subject property.
Property Cash Flow Loan

Investor – Private Money
Equity-based purchase, refinance and construction loans.
Private Money Loan

These products may have a higher interest rate, more points or more fees than other products that require documentation.