Can someone without income verification get a mortgage loan?

I want to refinance but I know a few months ago I was declined even though I have good credit, because the banks had changed the rules so that you can't go stated income and by provided my tax returns it showed my income too low (due to tax right-offs since I'm self employed however I've never been late with any payment and make good money). So, are those restrictions still in place?Can someone without income verification get a mortgage loan?
Here are the big things that will determine if you can get a stated income loan these days.


1) Equity - You will need 20-25% in the house


2) Credit score - 720+


3) Reserves or assets - You'll need 6+ months worth of mortgage payments.





As hard as may be to believe there are a few portfolio lenders that still offer stated income loans.Can someone without income verification get a mortgage loan?
I think the stated income loans and No Doc loans are a thing of the past. I am self employed also, and know what you are going through. You have to have deductions on your return in order to not get robbed by the IRS, but if you use that same tax return to apply for a mortgage, you look as poor as a church mouse. LOL It's ridiculous. I am hoping they bring back the Stated Income and No Doc loans if one can come up with 20% or more down.
If I am correct, most banks will not allow you to declare an income but will check your tax returns since you are self employed. If you were in the real estate market then they maybe more lenient.
Stay away from those people offering to lend you money over the internet. They just want your personal info so they can steal your identity.
I don't think you can. The best thing to do is get there number and ask
OF COURSE!!! Given the whole mortgage crisis that sparkled this recession, I hope these restrictions are always kept in place.