Tax Returns
Personal tax returns and, depending on your situation, business returns and supporting schedules may be needed to document income.
HOME FINANCING FOR BUSINESS OWNERS
Self-Employed
Home Loans
For the business you’ve built.
Business owners, freelancers, and independent contractors earn in different ways. I’ll help you understand how your income and documentation fit into the home financing process.
UNDERSTANDING HOW YOU EARN
A Clear Picture
of Your Income.
When you work for yourself, your income may vary throughout the year or come from more than one business. The financing review looks at the history and stability of that income.
I’ll help you identify the information needed to explain your business, ownership, and earnings, so you know what to prepare for the loan review.
PREPARING YOUR DOCUMENTS
What We May Review
Current
Business Records
Recent records can help explain business income trends and cash flow. I’ll clarify which documents your loan review requires.
Funds for
Your Purchase
We’ll review where your down payment and closing-cost funds will come from, including any business funds you intend to use.
FINDING YOUR FINANCING
Your Options Start
With the Full Picture.
Self-employment doesn’t automatically mean you need a special loan. We’ll review the programs available to you, how income needs to be documented, and what your payment and upfront costs could look like.
If you plan to use business funds, mention that early. Withdrawing money for a home purchase may require a review of the impact on your business.
Get Help With Your Documentation ↗Homebuyer Resources
Required documentation varies by program and your individual situation. Financing is subject to eligibility, documentation, program availability, and lender approval. This page does not constitute a commitment to lend.