Mortgage services
Self employed mortgages
We translate lender rules into a clear plan that fits how you actually earn.
If you are self employed, getting a mortgage is possible. The difference is that lenders often require more proof of income stability. We help you gather the right documents, present your story clearly, and choose lenders that understand business owners. If your income does not fit traditional guidelines, we can explore specialized programs designed for entrepreneurs.
Use the calculator for a quick starting point, then let me confirm the best strategy and exact numbers for your purchase, renewal, or refinance.
Compare scenarios with the mortgage calculatorYou will get a quick range on your own, and then we will validate the right rate, term, and structure together.
Service snapshot
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Steps
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Documents
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FAQs
We confirm timelines, documents, and exact numbers after a quick review.
What you will learn
Confidence starts with clarity
We break down the options, trade-offs, and numbers so you can make the right move without guessing.
What lenders look for in self employed income
Which documents usually matter most
What options exist when income is not straightforward
How it works
A clear plan from first call to closing
We keep the process organized and transparent at every step, so you always know what happens next.
Review how you earn and how you pay yourself
Clarify goals, timing, and budget.
Identify the best documentation approach
Gather details that shape the plan.
Estimate qualification using lender specific rules
Compare structures, rates, and lenders.
Choose the right lender path and submit
Submit the application with clean documentation.
Guide conditions and approval with clear next steps
Clear conditions and confirm the approval.
Swipe to view the full workflow.
Documents you may need
Get organized early
We confirm the exact list based on your situation.
Secure collection
We guide you on what to send and why it matters, so nothing is missing or unclear.
Request a free consultation- Personal tax returns and notices of assessment
- Business financial statements if available
- Proof taxes are up to date
- Identification and down payment confirmation
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Self Employed questions, answered
How many years of self employed history do I need
Two years is common, though some lenders accept one year with strong documentation.
Full answer
Two years of history is standard, but some lenders accept one year when documentation is strong and income is stable. We identify the best fit.
What if my income varies year to year
We can use an average and explain fluctuations with clear documentation.
Full answer
Lenders often use averages for variable income. We provide clear documentation to explain fluctuations and highlight stability.
Can I qualify if I write off a lot of expenses
Yes, but it may reduce the income used for qualification.
Full answer
Write offs can lower qualifying income, but there are programs that consider business cash flow. We explore the best option for your situation.
Do lenders use gross or net income
Most lenders focus on net income from your tax returns.
Full answer
Most lenders rely on net income, though some programs use different methods. We choose lenders that align with your income structure.
Are there special programs for entrepreneurs
Yes. Some lenders offer stated income or alternative programs.
Full answer
Alternative and stated income programs exist for entrepreneurs. We compare guidelines and costs so you can choose with confidence.
Ready when you are
Let's build a mortgage plan that fits you
Use the calculator for a quick starting point, then let me confirm the best strategy and exact numbers for your purchase, renewal, or refinance.
Compare scenarios with the mortgage calculator