Self Employed

<body topmargin=0 leftmargin=0 marginheight=0 marginwidth=0> <table cellpadding=0 cellspacing=0 border=0 height="100%"><tr> <td valign="top" colspan=2 height=165 BGCOLOR="#99CC66" TEXT="#080000"> <div> <FONT SIZE="5" COLOR="#009900" FACE="Times New Roman" ><I><B><IMG SRC="109dc5b0.png" border=0 width="220" height="91" ALIGN="BOTTOM" HSPACE="0" VSPACE="0"></B></I></FONT><FONT SIZE="5" COLOR="#006633" FACE="Times New Roman" ><I><B>Mortgage Finance and Home Loans</B></I></FONT><FONT SIZE="1" COLOR="#006633" FACE="Times New Roman" ><I><B> </B></I><I><B>  </B></I></FONT><I><B> </B></I><I><B> |     </B></I><A HREF="index.htm" TARGET="_top" TITLE="Mortgage Finance and Home Loans"><I><B>home</B></I></A></div> <div> <A HREF="id15.htm" TARGET="_top" TITLE="Loan Information"><I><B>Loan Information</B></I></A><I><B>   |   </B></I><A HREF="id60.htm" TARGET="_top" TITLE="Purchase"><I><B>Purchase</B></I></A><I><B>   |   </B></I><A HREF="id16.htm" TARGET="_top" TITLE="Refinance"><I><B>Refinance</B></I></A><I><B>   |   </B></I><A HREF="id59.htm" TARGET="_top" TITLE="Loan Options"><I><B>Loan Options</B></I></A><I><B>   |   </B></I><A HREF="id21.htm" TARGET="_top" TITLE="Loans 101"><I><B>Loans 101</B></I></A><I><B>   |   </B></I><A HREF="id19.htm" TARGET="_top" TITLE="Construction Loans"><I><B>Construction Loans</B></I></A><I><B>   |   </B></I><A HREF="id61.htm" TARGET="_top" TITLE="Income Property"><I><B>Income Property</B></I></A><I><B>   |   </B></I><A HREF="id17.htm" TARGET="_top" TITLE="Commercial Loans"><I><B>Commercial Loans</B></I></A><I><B>   |   </B></I><I><B>Self Employed</B></I><I><B>   |   </B></I><A HREF="id38.htm" TARGET="_top" TITLE="Quick Quote"><I><B>Quick Quote</B></I></A><I><B>   |   </B></I><A HREF="id3.htm" TARGET="_top" TITLE="Loan Application"><I><B>Loan Application</B></I></A><I><B>   |   </B></I><A HREF="id39.htm" TARGET="_top" TITLE="Fax Application"><I><B>Fax Application</B></I></A><I><B>   |   </B></I><A HREF="id29.htm" TARGET="_top" TITLE="Current Rates"><I><B>Current Rates</B></I></A><I><B>   |   </B></I><A HREF="id31.htm" TARGET="_top" TITLE="Prequalify"><I><B>Pre-qualify</B></I></A><I><B>   |   </B></I><A HREF="id20.htm" TARGET="_top" TITLE="Selling Your Home"><I><B>Selling Your Home</B></I></A><I><B>   |   </B></I><A HREF="id56.htm" TARGET="_top" TITLE="About Us"><I><B>About Us</B></I></A><I><B>   |   </B></I><A HREF="id2.htm" TARGET="_top" TITLE="Meet the Staff"><I><B>Meet the Staff</B></I></A><I><B>   |   </B></I><A HREF="id4.htm" TARGET="_top" TITLE="Location"><I><B>Location</B></I></A><I><B>   |   </B></I><A HREF="id6.htm" TARGET="_top" TITLE="Contact Us"><I><B>Contact Us</B></I></A><I><B>   |   </B></I><A HREF="id22.htm" TARGET="_top" TITLE="Loan Calculator"><I><B>Loan Calculator</B></I></A><I><B>   |   </B></I><A HREF="id28.htm" TARGET="_top" TITLE="Closing Cost"><I><B>Closing Cost</B></I></A><I><B>   |   </B></I><A HREF="id62.htm" TARGET="_top" TITLE="Apply Now"><I><B>Apply Now</B></I></A><I><B>   |   </B></I><A HREF="id63.htm" TARGET="_top" TITLE="How do I get started? "><I><B>How do I get started? </B></I></A></div> <bR> <div> </div> </td> </tr><tr> <td valign="top" width=165 BGCOLOR="#FFFFCC" TEXT="#080000"> <div> <I><B><IMG SRC="0ec925f0.jpg" border=0 width="146" height="95" ALIGN="BOTTOM" HSPACE="0" VSPACE="0"></B></I></div> <div> <A HREF="id60.htm" TARGET="_top" TITLE="Purchase"><I><B><IMG SRC="0cf92290.jpg" border=0 width="146" height="41" ALIGN="BOTTOM" HSPACE="0" VSPACE="3"></B></I></A><A HREF="id35.htm" TARGET="_top" TITLE="Second Mortgage"><I><B><IMG SRC="0d492290.jpg" border=0 width="146" height="41" ALIGN="BOTTOM" HSPACE="0" VSPACE="2"></B></I></A></div> <div> <A HREF="id30.htm" TARGET="_top" TITLE="Line of Credit"><I><B><IMG SRC="0d992290.jpg" border=0 width="146" height="41" ALIGN="BOTTOM" HSPACE="0" VSPACE="2"></B></I></A></div> <div> <A HREF="id16.htm" TARGET="_top" TITLE="Refinance"><I><B><IMG SRC="0d792290.jpg" border=0 width="146" height="41" ALIGN="BOTTOM" HSPACE="0" VSPACE="0"></B></I></A></div> <div> <I><B><IMG SRC="0dd92290.jpg" border=0 width="146" height="41" ALIGN="BOTTOM" HSPACE="0" VSPACE="0"></B></I></div> <div> <I><B><IMG SRC="0e092290.jpg" border=0 width="146" height="41" ALIGN="BOTTOM" HSPACE="0" VSPACE="0"></B></I></div> <div> <A HREF="id17.htm" TARGET="_top" TITLE="Commercial Loans"><I><B><IMG SRC="0db92280.jpg" border=0 width="146" height="40" ALIGN="BOTTOM" HSPACE="0" VSPACE="0"></B></I></A></div> <div> <A HREF="id55.htm" TARGET="_top" TITLE="VA"><I><B><IMG SRC="0e292290.jpg" border=0 width="146" height="41" ALIGN="BOTTOM" HSPACE="0" VSPACE="0"></B></I></A></div> <bR> </td> <td valign="top" height=315 width="100%" BGCOLOR="#FFFFFF" TEXT="#080000"> <div> <I><B>Self Employed</B></I></div> <div> <IMG SRC="12ae79a0.jpg" border=0 width="231" height="154" ALIGN="BOTTOM" HSPACE="0" VSPACE="0"></div> <div> <I><B>Stated Income Loan</B></I></div> <bR> <div> <I><B>Are you self employed or a wage earner that finds it difficult or impossible to document your income? Perhaps you prefer not to produce any income documentation whatsoever. Then the Stated Income Mortgage Loan is the right loan for you. </B></I></div> <div> <I><B>What is a Stated Income Loan?</B></I></div> <bR> <div> <I><B>Stated Income Mortgage Loans allow you to state your income on the loan application without having to provide any supporting documentation.</B></I></div> <bR> <div> <I><B>No W2, paycheck stubs, tax returns, or profit and loss statements are required. Two years of employment or self employment is all that is required and will be verified.</B></I></div> <bR> <div> <I><B>Who should apply for a Stated Income Mortgage?</B></I></div> <bR> <div> <I><B>Self employed borrowers who show less income on their tax returns than they actually make because of business expense deductions</B></I></div> <bR> <div> <I><B>Those that have difficulty documenting income because they are paid largely in cash or tips</B></I></div> <bR> <div> <I><B>Borrowers who have had an increase in salary or earnings that are not reflected on past or current income documents</B></I></div> <bR> <bR> <div> <I><B>Anyone that prefers not to produce any income documentation and would rather state their income on the loan application</B></I></div> <bR> <bR> <div> <I><B> <TABLE BORDER="2" CELLPADDING="2" CELLSPACING="1" WIDTH="643" BORDERCOLORLIGHT="#C0C0C0" BORDERCOLORDARK="#808080" FRAME="BOX" RULES="ALL" HSPACE="0" VSPACE="0" > <tR> <tD VALIGN=TOP HEIGHT= 20 ><NOBR><div> <A HREF="id24.htm" TARGET="_top" TITLE="Fixed Interest Loans"><I><B>Fixed Interest</B></I></A></div> </NOBR></tD> <tD VALIGN=TOP><NOBR><div> <A HREF="id25.htm" TARGET="_top" TITLE="Adjustable Rate Mortgages"><I><B>Variable Interest</B></I></A></div> </NOBR></tD> <tD VALIGN=TOP><NOBR><div> <A HREF="id26.htm" TARGET="_top" TITLE="No Money Down Loans"><I><B>No Money Down</B></I></A></div> </NOBR></tD> <tD VALIGN=TOP><NOBR><div> <A HREF="id27.htm" TARGET="_top" TITLE="Interest Only Loans"><I><B>Interest Only</B></I></A></div> </NOBR></tD> <tD VALIGN=TOP><NOBR><div> <A HREF="id18.htm" TARGET="_top" TITLE="Self Employed"><I><B>Self Employed</B></I></A></div> </NOBR></tD> </tR> <tR> <tD VALIGN=TOP HEIGHT= 20 ><NOBR><div> <A HREF="id30.htm" TARGET="_top" TITLE="Line of Credit"><I><B>Line of Credit</B></I></A></div> </NOBR></tD> <tD VALIGN=TOP><NOBR><div> <I><B>First Time Buyers</B></I></div> </NOBR></tD> <tD VALIGN=TOP WIDTH="132"><IMG BORDER="0" SRC="1x1.gif" HEIGHT="20" ALIGN="bottom" WIDTH="132" HSPACE="0" VSPACE="0"></tD> <tD VALIGN=TOP WIDTH="99"><IMG BORDER="0" SRC="1x1.gif" HEIGHT="20" ALIGN="bottom" WIDTH="99" HSPACE="0" VSPACE="0"></tD> <tD VALIGN=TOP WIDTH="124"><IMG BORDER="0" SRC="1x1.gif" HEIGHT="20" ALIGN="bottom" WIDTH="124" HSPACE="0" VSPACE="0"></tD> </tR> </TABLE></B></I></div> <bR> </td> </tr></table></body>