Sometimes your taxes do not reflect your actual buying power, that is when a Stated Income Loan or an ALT-Doc loan comes into play. Go to the link for the Stated Income Loan Application, print out, complete the highlighted portion and return by email. No taxes or w-2's or 4506T are needed when you show adequate financial reserves, typically 6-12 months of your mortgage payment. We know that the decision to buy a property not only affects you, but your family as well, our experience allows us to find the right deal for your particular situation.