Stated Income Loans
in the Bay Area

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If you do not have a W-2, it can be hard to apply for a home loan the traditional way. You may have already tried explaining your situation to big banks and other lenders, only to find that there is no system in place to help you. But when you apply for a home loan through Bridgeport Funding, you do not need a W-2.

If you work for yourself, you are eligible to apply for a stated income loan.

What Are Stated Income Loans?

We know that those with non-traditional income situations can have a challenging time pulling together the documentation to prove their income. Not only that, but that documentation may not tell the whole story.

With a stated income loan, you simply state an income figure when you apply and provide us with bank statements to back it up. For this reason, a stated income loan may also be referred to as a “bank statement loan.”

There is no need to show us a W-2 or tax return.

Who Can Apply for a Stated Income Loan in the Bay Area?

Many people with non-traditional income situations are able to apply for bank statement loans in Walnut Creek, including those who are:


Business Owners




You may refer to yourself another way. That is perfectly okay. If you work for yourself, you can use a stated income loan.

Stated income loans may also be appropriate if your income fluctuates throughout the year, you are newly hired for a job but haven’t started, or you have a situation where your debt-to-income ratio doesn’t accurately represent your situation (i.e. you are a real estate investor).

Walnut Creek Stated Income Loan Benefits

With a stated income loan, you can enjoy the following conveniences:

You need not bring a W-2 or tax documents to prove your income.

With less documentation to furnish, you can apply more rapidly for financing.

You can apply for a loan through a simple, streamlined process suited to your needs.

What Our Clients Are Saying

Chenoa T
Chenoa T
14:46 07 Sep 19
Mike Trejo was recommended by my real estate agent to broker the loan for my new home. Mike, Alex, and Maily are a dream team. They made a somewhat difficult and lengthy process (I had some extenuating circumstances that made my escrow 60 days instead of the more standard 30 days) and they were so patient and professional throughout. They answered all my questions and made sure to follow up and check in on a timely and consistent basis with me, the lender, and even the sellers of the home I was purchasing. I really feel they went above and beyond what the standard broker firm would do. I am so grateful for their support and guidance through the process. If you’re looking for a broker you can trust and that will fight for you and help make your dreams come true, look no further than Mike and his wonderful team at BridgePoint!read more
Evan Doherty
Evan Doherty
15:35 26 Aug 19
We've used Bridgepoint four different times -- two new mortgages & two re-fi's -- and they've been amazing for every single one! They're timely, detailed and super friendly. The entire crew is very helpful and will answer any question you have - they make the entire process incredibly easy. Highly, highly recommend!read more
Phillip Lavios
Phillip Lavios
00:01 13 Jun 19
Mike Alex, and Mailly are the best to deal with when refinancing your home, they made the process seamless, and cery painless! They were very patient with me, and I highly recommend them to refinance your home!read more
06:23 25 Apr 19
Mike is a lifesaver! After I found my dream house, I was working with another lender who was bringing new problems every day and delaying the process and keep promising. After 6 weeks time waste they said they cannot do my loan. That's when Mike came in like an angel and saved us. In less than 2 weeks he closed the deal and asking almost no additional documents. Very smooth process. It was a hard lesson for me that its very important to work with the right people, especially if you making one of the most important financial decisions of your life. And Mike and his team are definitely are the best people for it!read more
Eyebrow Plus, Inc.
Eyebrow Plus, Inc.
21:55 17 Jan 19
We had a great experience with Bridgepoint Funding. The loan process was smooth and faster than we expected. The Bridgepoint team is strong and well-coordinated.Thank you Alex, Mike and Maily for your much needed help!F. Aread more
Stephen Jotten
Stephen Jotten
23:50 29 Dec 18
This was the most smooth loan process my wife and I were able to have. Mike and his staff made sure we did not lose our first house. It was a seamless process.
Armando Troche
Armando Troche
08:51 23 Nov 18
Bridgepoint Funding was effective, reliable, and efficient. We switched from a different lender to find a better interest rate. Mike and his team worked quickly to gather our documents, secure the best interest rate, and get our loan squared away. Now we're living it up in our new home!read more
KelliCardenas PS video
KelliCardenas PS video
14:21 29 Mar 18
I have been working with Mike, Kim, and Alex for a lot of years and all of them go that extra mile when it comes to professionalism and customer service. I have worked with many different lenders over the years, but Bridgepoint Funding is the best by far! They do not discriminate against anyone, no matter what! They treat every client with respect and fairness. I know from experience that if your loan process hits a bump in the road, Mike and his staff always remain calm and the end results are a closed loan and a happy client. I would highly recommend the Bridgepoint funding staff for any lending more
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Apply for a Stated Income Loan Now

Whether you are located in Walnut Creek, Martinez, Concord, Pleasant Hill, Alamo, Danville, San Ramon, Orinda, Moraga, Lafayette and all throughout California we can help you with your lending needs.

Big banks may tell you that you need a W-2 to apply for a mortgage, but that is not true when you work with Bridgepoint Funding. If you are ready to apply for a bank statement loan without a W-2, please call (925) 478-8630 to get started.

Free Mortgage Rate Quote!