Mortgage guides for small business owners
Plain-English guides on bank statement loans, 1099 mortgages, P&L loans, write-offs, and buying a home when you work for yourself.
Mortgages for small business owners: how to qualify on your real income
The complete guide to mortgages for small business owners: why tax returns undersell you, which programs use your real income, and how to prepare a strong file.
How bank statement loans work for self-employed business owners
Bank statement loans use your deposits, not your tax return, to show income. Here is how lenders calculate it, who the program fits, and how to prepare.
How to get a mortgage without tax returns when you are self-employed
You can get a mortgage without tax returns. Here are the programs that verify income another way, what each one asks for, and how to pick the right fit.
Self-employed mortgage requirements: what lenders really look for
Credit, time in business, income documents, DTI, and reserves: here is what lenders typically require from self-employed borrowers and how to prepare.
The 1099 mortgage guide for independent contractors
Paid on a 1099? Here is how a 1099 mortgage works, how lenders read your income, and what to have ready before you check your options.
Do tax write-offs affect your mortgage? How deductions change what you qualify for
Your write-offs save you money in April but can shrink what a lender counts. Here is how deductions affect your mortgage and the programs that look past them.
How a P&L mortgage works for self-employed business owners
A P&L mortgage uses a CPA-prepared profit and loss statement to show your income. Here is how lenders review it and who the program fits best.
How lenders calculate self-employed income, method by method
Tax returns, bank statements, 1099s, a P&L, or rental cash flow. Here is how lenders turn each one into a qualifying income number.
Getting a mortgage for LLC and S corp owners
Your business structure changes how a lender reads your income. Here is what LLC and S corp owners should know before applying for a home loan.
Denied a mortgage because you're self-employed? Here's what to do next
A mortgage denial usually says more about the loan program than about you. Here's why self-employed borrowers get turned down and what to try next.
The bank statement loan documents checklist for business owners
A practical checklist of the documents lenders usually ask for on a bank statement loan, plus tips to keep your file clean from the start.
Business vs. personal bank statements for a mortgage: which should you use?
Lenders treat business and personal bank statements differently. Here's how each is calculated and how to pick the account that shows your income best.
DSCR loans for business owners: qualify on the rental, not your tax return
DSCR loans qualify you on the rental's income, not your tax return. Here's how the ratio works and why business owners who invest in real estate use them.
What is a non-QM loan? A plain-English guide for self-employed borrowers
Non-QM loans let lenders verify income in ways that fit how business owners actually earn. Here's what the term means and how these mortgages work.
Getting a mortgage when you've been self-employed less than 2 years
Two years of self-employment is common, but it is not always required. Here's how lenders view newer businesses and what options may be open to you.
Find out what you qualify for in about 60 seconds
No tax returns. No credit pull to start. Just a straight answer from a broker who works for you.
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