Self-Employed Home Purchases, Built Around How You Really Earn
You sign both sides of the check—you take the risk, create the jobs, and carry the weight. I build purchase approvals around that reality.
- Qualification path: We’ll decide fast whether returns or bank statements give you the cleanest approval.
- Entity aware: Sole prop, S-Corp, LLC—income and distributions documented the right way.
- Assets & reserves: We line up funds (including business accounts when eligible) without guesswork.
- Timeline clarity: What’s needed, by when, and what happens next—no runaround.
In 10 minutes: budget, documentation path, and a clear next step.
Self-Employed Mortgage Document Checklist
- Last 2 years personal federal tax returns (all pages & schedules)
- Last 2 years business tax returns (if applicable)
- Year-to-date profit & loss (P&L)
- 12–24 months personal and/or business bank statements
- Business license or CPA letter (as applicable)
- Photo ID and Social Security verification
- Most recent mortgage statement (refi only) and homeowners insurance
- Entity documents (LLC/Corp) if ownership interests affect income
General guidance only; actual requirements vary by program and state.