We have had a few clients inquire about stated income mortgages if they are self employed. The number one question: Can I tell the lender what income I make and they just accept it? Short answer - no. Longer answer - A stated income program looks to prove a self employed person's income in a different way than a standard mortgage. For a standard mortgage, the applicant proves their income by providing a combination of T4s, paystubs or a letter of employment, as requested by