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.
What you will learn
- 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
01.
We review how you earn and how you pay yourself
02.
We identify the best documentation approach
03.
We estimate qualification using lender specific rules
04.
We choose the right lender path and submit
05.
We guide conditions and approval with clear next steps
Documents you may need
Get organized early
We will confirm the exact list based on your situation.
- 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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Frequently asked questions
Answers to common questions
How many years of self employed history do I need
Two years is common, but some lenders accept one year with strong documentation.
What if my income varies year to year
We can use an average and explain fluctuations with clear documentation.
Can I qualify if I write off a lot of expenses
Yes, but it may reduce the income used for qualification. We can explore options that look at business cash flow.
Do lenders use gross or net income
Most lenders focus on net income from your tax returns, though some programs use different methods.
Are there special programs for entrepreneurs
Yes. Some lenders offer stated income or alternative programs that fit business owners.
Ready when you are
Let's build a mortgage plan that fits you
Tell us what you are working toward and we will map out the next best step with clear numbers and a simple plan.