A visual companion to the self-employed roadmap handout - scroll to see the full path, or save/print as an image.

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.

Steps8income review to keys
Programs{{example.programsCount}}built for business owners
Document window12-24months of bank statements
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.

Acts Lender
Step 2

Document prep

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

Acts You
Step 3

Income calc

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

Acts Lender
Step 4

Pre-approval

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

Acts Lender Turnaround 3-5 days
Step 5

Shop & offer

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

Acts Realtor
Step 6

Underwriting & appraisal

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

Acts Lender
Step 7

Clear to close

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

Acts Lender
Step 8

Keys in hand

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

Acts You
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.

Start Before applying

Consistent deposits

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

Needs Paper trail

12-24 months ready

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

Window 12 or 24 mo

Stay steady

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

Avoid New accounts pre-apply

Statement history required by program

Bank-statement Up to 24 mo
P&L 12 mo
1099-only Up to 24 mo

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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.