Self-Employed Mortgage Guide
How to get approved when you're your own boss.What You’ll Need
2 years of tax returns (personal and business), year-to-date P&L statement, 12-24 months of business bank statements, business license, and CPA letter. Don’t write off everything — your taxable income is what lenders use.
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Self-Employed Mortgage
Frequently Asked Questions
How do lenders calculate income?
They average your net income from the past 2 years of tax returns (adjusted gross income, not gross revenue).
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