mortgage
Beyond the W-2: Non-QM Loans for Self-Employed Homebuyers
Non-QM mortgages use bank statements instead of tax returns to qualify self-employed borrowers. Here's how they work and what to know before you apply.
Oct 28, 20267 min read30
About Joseph
Joe Pattee is a senior lending specialist and Certified Reverse Mortgage Professional who helps clients navigate important financial decisions with clarity, confidence, and a plan that fits real life. Known for building trust quickly and finding practical solutions, Joe brings a relationship-first approach to every conversation—especially when the path forward feels complex. Outside of lending, Joe is a marathon runner, outdoorsman, husband, and dad who values discipline, connection, and showing up well for the people around him. Whether he’s helping a client think through their next chapter, out on the trail, or enjoying good tacos with family and friends, Joe brings the same mindset every time: stay steady, move with purpose, and finish strong.
- Guild Mortgage - Joseph Pattee
- Branch Manager
- Website
- teampattee.com
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