Self-employed? Your tax return isn't the whole story.
Business owners, 1099 earners and partners are often judged on a W-2 template. There are documentation paths built for how you actually earn. I'll tell you which ones fit, in writing.
Where most people are stuck.
Your write-offs shrink the income a bank will count
That's the full-doc problem. Other paths read your deposits or your P&L instead. I show you both side by side.
Your last two years don't match what you make now
Growing businesses get penalised by averaging. There are ways to document the trend. The guide walks through them.
You've been quoted once and told that's the only option
It may not be. Send me what you were told and I'll tell you straight whether it's solid. If I can't beat it, I'll say so.
Answers in writing. No pressure.
Your numbers, run by email
First name and email, and I reply with exactly what I'd need to run your bank-statement or full-doc scenario. No application, no credit pull, just the math in writing.
Have me run your numbersThe Self-Employed Mortgage Guide
Bank statement loans, P&L only, asset utilization, K-1 vs Schedule C math, and the write-off trap, for California business owners.
Read the guideHave me run your numbers.
No application, no credit pull, the math in writing.
Have me run your numbers — by email.
First name and email, and I’ll reply with what I’d need to run your bank-statement or full-doc scenario. No application, no credit pull — just the math, in writing.
Got it.
I read every submission myself and reply within one business day, usually same-day.
Three steps. No phone number required.
Tap through a few quick questions
Two minutes, no credit pull, no documents. A rough picture is all I need.
I write your read — personally
No algorithm, no score. A plain-English note on where you stand and the exact moves that would change it. Within one business day, usually same-day.
We talk only if you want to
No call unless you ask for one. If now isn't the time, the read tells you what to work on — free either way.
Straight answers.
Which documents will you ask for?
It depends on the path. Full-doc means tax returns; bank-statement means business or personal deposits over a set period; P&L paths lean on your books. My first email lists the exact set for your situation.
Is a bank statement loan a worse deal than a full-doc loan?
Pricing differs by program and profile. I show you the full-doc and bank-statement options side by side so you can see the trade-off before deciding anything.
Should my CPA be involved?
Often it helps, especially on how income is documented. I'm happy to loop them in and I speak their language.
Want your real numbers?
No credit pull to start. Tell me what you're trying to do and I'll show you the payment, the cash to close and your best two or three options.