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Guides for self-employed borrowers
Checklists and explainers that make the mortgage process less of a mystery.
Plain-language guides for self-employed borrowers. No jargon for its own sake and no rate talk.
A Self-Employed Mortgage Checklist: What to Do Before You Apply
A practical timeline and checklist for self-employed buyers.
Read the guide →Why Tax Returns Understate Self-Employed Income
How deductions shrink the income a standard lender sees.
Read the guide →What Lenders Look for in Your Bank Statements
The patterns reviewers notice, good and bad.
Read the guide →How to Explain a Large Deposit to a Mortgage Lender
What documents answer questions about big deposits.
Read the guide →Separate Business and Personal Money Before You Apply
A step-by-step guide to cleaning up your accounts.
Read the guide →Bank Statement Loan vs Conventional Loan for the Self-Employed
A side-by-side look at the two approaches.
Read the guide →How to Ask Your CPA or Tax Preparer for a Mortgage Letter
What to ask your tax professional to include.
Read the guide →Bank Statement Loans for First-Time Buyers Who Are Self-Employed
What first-time buyers should prepare.
Read the guide →What Is a Bank Statement Loan? A Plain Answer for Self-Employed Buyers
A bank statement loan documents your income from your deposits instead of your tax returns.
Read the guide →Are Bank Statement Loans Hard to Get? What Actually Trips Borrowers Up
They are not unusually hard to get, but the file has to be organized and consistent.
Read the guide →How Many Years Do You Need to Be Self-Employed to Get a Mortgage?
Two years is common, one year can work on select programs, and the same field matters.
Read the guide →Which Deposits Count on a Bank Statement Loan? Zelle, Venmo, Cash and Transfers
Deposits that trace to your work count. Transfers, refunds and loan proceeds generally do not.
Read the guide →Have a question these guides do not answer?
Call or apply and a loan officer will help.