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Home loans for the self-employed

Eight steps.
Qualify on your business.

Tax returns do not have to tell the whole story. Here is the documentation journey from income review to keys in hand - and how to make your paperwork easy to underwrite.

The documentation journey, step by step
Step 1

Income review

We map your income structure - W-2, 1099, bank deposits, or assets - to the loan program that fits.

Step 2

Document prep

Gather 12-24 months of bank statements, business verification, and ID - the right docs make qualifying faster.

Step 3

Income calc

We calculate your qualifying income under the matched program so you know your real buying power.

Step 4

Pre-approval

A pre-approval letter in hand, typically within a few days of receiving complete documents.

Step 5

Shop & offer

Your Realtor partner guides the search and helps you write a strong, competitive offer.

Step 6

Underwriting & appraisal

The lender reviews your business income and bank statements while an independent appraisal confirms value.

Step 7

Clear to close

Final approval issued - review your closing disclosure carefully and confirm the wire instructions.

Step 8

Keys in hand

Sign, fund, and collect your keys - you own a home and the wealth engines start running today.

Bank-statement pointers

Make your statements easy to underwrite with these four habits.

Separate accounts

Keep business and personal accounts apart as early as possible.

Consistent deposits

Keep deposits explainable - large one-off deposits need a paper trail.

12-24 months ready

Use the same account(s) you plan to submit for the full review period.

Stay steady

Avoid opening new accounts or shifting money around right before applying.

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We match your income structure to the right program and map a clear path to pre-approval - soft pull, no cost.

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{{compliance.pendingLabel}}   Equal Housing Opportunity. {{lo.company}}, NMLS #{{lo.nmls}} (Company NMLS #{{compliance.companyNmls}}). Figures and the example household are hypothetical and for illustration only; not an offer, quote, or guarantee. Loan program availability, qualifying income calculations, and rates vary by lender, borrower profile, and market conditions. Bank-statement, P&L, 1099, and asset-based programs are non-QM or portfolio products and may carry higher rates than conventional loans. Rates are illustrative only, not a commitment to lend. All loans subject to underwriting approval. Consult a tax advisor regarding mortgage interest and business deduction strategies. This co-marketed seminar is cost-split by fair market value of promotion per RESPA; no party pays for referrals.