Latest Articles
Self-Employed and Write Off a Lot? You Can Still Buy a Home. Here’s the Real Tradeoff.
Self-employed with big tax write-offs? Learn your home loan options, what each costs in rate and down payment, and how to choose between lower taxes and easier approval.
Erika Slayton320Your Temporary Mortgage Buydown Is Ending. What Happens If Rates Didn’t Cooperate?
A temporary mortgage buydown can create a difficult decision when the subsidy expires before rates fall as expected. Ray Williams explains why self-employed homeowners should compare the upcoming contractual payment, refinance costs and multiple ways of documenting business income instead of focusin
Ray Williams110Self-Employed and Buying a Home? How Mortgage Lenders Look at Your Income
Being self-employed doesn't mean you can't qualify for a mortgage, but documenting income can be different from the process for a salaried employee. Stuart Kiehne explains how lenders evaluate self-employed income, why tax returns and business deductions matter, and what borrowers can do before appl
Charles Stuart Kiehne30Do Self-Employed Borrowers Really Need Two Years of Tax Returns to Buy a Home?
Self-employed borrowers often hear that two years of tax returns are mandatory. The real answer depends on business history, ownership, prior experience and the loan program being used.
Ray Williams100