Need Professional Advisor ?
Qualify for a Home Using Your True Income — Not Just What’s on Paper
At Freedom Choice Lending, we understand that not all income fits neatly into traditional mortgage guidelines. That’s why we offer our Stated Income W-2 Loan Program — designed for W-2 employees who earn solid income but may have difficulty verifying it through standard documentation like pay stubs or tax returns.
This flexible loan program allows you to state your income without the need for full income verification, making homeownership possible for more hardworking professionals.
🔍 Who This Program Is For
Our Stated Income W-2 Loan is ideal for:
- Commission-based employees with fluctuating monthly income
- Bonuses, tips, or overtime earners not fully reflected in W-2s
- Multiple job holders or part-time workers with blended income sources
- Borrowers recovering from recent financial challenges but with strong current income
If you’ve been turned down by traditional lenders due to complex income documentation — this program could be the solution.
💡 Key Benefits
✅ No Tax Returns Required
We use your W-2s or verified employment to determine income, not your tax filings.
✅ Flexible Income Calculation
Qualify based on your stated income that reflects your real earning potential.
✅ Fast Approvals
Simplified underwriting helps you close faster and with less paperwork.
✅ Perfect for High-Earning W-2 Employees
Especially beneficial for those in sales, hospitality, healthcare, or other industries with variable pay.
✅ Competitive Rates and Terms
Enjoy fair market rates with the flexibility you deserve.
🧾 Basic Requirements
- Minimum credit score: as low as 620
- Verified employment with consistent W-2 income
- Minimum down payment: 10–20% depending on credit
- Primary residence, second home, or investment property eligible
- Loans up to $3,000,000
🏠 Example Scenario
A borrower earning commissions in the sales industry shows only $65,000 on their tax returns due to write-offs but actually earns closer to $120,000 annually.
Using the Stated Income W-2 Loan Program, they can qualify based on their true earning power, not their reduced taxable income — making homeownership finally within reach.
🚀 Why Borrowers Choose Freedom Choice Lending
At Freedom Choice Lending, we don’t believe in one-size-fits-all lending. Our expert team specializes in creative loan solutions to help more people achieve the dream of homeownership. Whether you’re self-employed, commission-based, or have unique income sources — we’ll help structure the right loan for you.
📞 Get Pre-Qualified Today
Stop letting traditional guidelines hold you back.
Discover how our Stated Income W-2 Loan Program can help you buy your next home faster and easier.
👉 Call Freedom Choice Lending at (866) 587-6967
or
👉 Apply online at FreedomChoiceLending.com
“Your Freedom. Your Choice. Your Home.”