SELF-EMPLOYED MORTGAGE · 11 STATES
Owning a business should not stand between you and a home. Duane compares conventional, FHA, VA and Non-QM paths for self-employed buyers in the 11 states where I am licensed.
Licensed in 11 states
Compare many lenders
No-pressure advice
WHAT IT IS
Many self-employed borrowers qualify on standard loans using two years of tax returns. Lenders average the net income and review your business for stability.
If write-offs lower your reported income, alternative programs such as bank statement loans may fit better. I help you work out which path is cleaner for your situation.
Self-employed borrowers can use agency loans, typically with two years of tax returns and business documents.
Deposits replace tax returns when write-offs reduce your taxable income.
Some programs use a CPA-prepared profit and loss statement. Availability varies by lender.
A conversation before you file or apply can help you understand how your income will be viewed.
HOW IT WORKS
01
Tell me how long you have been self-employed, how you are paid and what your returns show.
02
Typical items include tax returns, a year-to-date profit and loss and business bank statements.
03
I compare agency and Non-QM options and show you the payment and cost differences.
04
I keep your file organized so underwriting questions get answered quickly.
LOCAL KNOW-HOW
Program availability can vary by state and by lender. I check what is offered where your property is located.
Virginia
Virginia has many consultants, contractors and small employers. Income that varies month to month is common, and I plan for it.
Tennessee
Tennessee business owners and independent professionals can compare agency and bank statement programs side by side.
Georgia
Georgia self-employed buyers can often choose between tax return and deposit-based qualifying.
FAQ
Many programs look for about two years. Some allow less with prior experience in the same field. Guidelines vary.
On tax-return loans, they reduce qualifying income. That is why deposit-based programs exist as an alternative.
It depends. A short conversation about timing, documents and credit can save time later. I am happy to walk through it.
EXPLORE MORE
NEXT STEP
Tell me about your business and I will map out your options. No obligation.
Duane Buziak, NMLS #1110647, Coast2Coast Mortgage, LLC, NMLS #376205. Licensed in VA, FL, TN, GA, NC, SC, MD, DC, WV, TX and KY. Equal Housing Lender. This information is educational and is not an indication of loan qualification, approval or a commitment to lend. Rates, programs and guidelines change and are subject to credit approval.
