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Sound familiar?
- Your tax returns show less income because of business write-offs.
- Your income goes up and down by season.
- You recently changed business structure or started a new venture.
- Another lender told you no, or asked for paperwork that didn't fit your situation.
You're not alone, and you have options.
How we help
- We start with a conversation. Tell us about your business and your goals. No paperwork needed to start.
- We find the right way to document your income. Bank statements, profit and loss statements, 1099s, or tax returns. Whatever shows your true earnings.
- We compare programs so you see your best options before you apply.
- We keep you updated every step of the way.
What we can help with
- Buying a home
- Refinancing your current mortgage
- Cash-out refinance
- HELOC or home equity loan
- Rental property loans that qualify on rental income
Hear from a client
"As being a business owner documenting income is not always easy without a simple W-2... My deal was challenging and Amanda never gave up while addressing multiple challenges all while keeping me well informed.", John, Google Review
What to have ready
When you're ready to apply, it helps to have:
- 12 or 24 months of bank statements
- A profit and loss statement, if you have one
- Business license or other proof that your business is active
- Your current mortgage statement, if you're refinancing
Frequently asked questions
My tax returns show low income. Can I still qualify?
Very possibly. Bank statement programs look at your deposits, not just your taxable income.
Can I get a HELOC if I'm self-employed?
Yes. Self-employed homeowners can access their equity with a HELOC or home equity loan.
Will you need my CPA?
Sometimes. Some programs ask for a CPA-prepared P&L or letter. We'll let you know up front.