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If you’re a business owner, we want to help you purchase or refinance your home. As business owners ourselves, we strive to understand your goals and what you need to succeed. We help many business owners buy their primary residence, become property investors, and finance property for their business location.
It’s often thought that if you’re a business owner, lenders won’t approve you for a loan because of income fluctuations. Nothing could be further from the truth. Although many lenders and traditional banks prefer to work with the simplicity of a salaried borrower, we welcome self-employed borrowers, even as first-time home buyers.
We provide solutions for cases where individual and/or business tax returns report too many losses for traditional banks. We will review income and approve loans based on the following:
Using an in-depth analysis, we can shop and compare lenders that will consider more business losses on their tax returns to be credited back as income than traditional banks. Not all lenders look at business losses the same.
Avoiding tax return review altogether is possible by reviewing bank records. We can total revenue over different periods and apply a flexible expense factor depending on the type of business.
This allows you to apply for a loan with only your 1099, not including your tax return as part of the income analysis.
Applying for a loan based on your business's CPA or Enrolled Agent’s prepared financial statement is another option that avoids factoring in losses on your tax return.
We can review the liquid assets held in your business to be considered as a future distribution or income stream. This allows for cases where borrowers have well-capitalized businesses that may not be currently producing substantial revenue.
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We can help you realize your dream of a new home
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We want to give you 10% discount for your first order,
Use discount code at checkout
We want to give you 10% discount for your first order,
Use discount code at checkout