Mortgages for self-employed borrowers built around the full picture.

Complex income deserves thoughtful analysis—before a computer or a rushed pre-approval tells only half the story.

HOW TO THINK ABOUT IT

Business owners often have strong finances that do not fit neatly on a W-2. We review how income is documented, how business deductions affect qualifying and which conventional or alternative-documentation options may fit.

WHO IT MAY HELP

Is this the right direction?

✓Business owners and partners

✓1099 contractors and consultants

✓Borrowers with multiple entities or income streams

✓Borrowers considering bank-statement or non-QM programs

WHAT WE COMPARE

Look past the headline rate.

Income analysis first

Review returns, K-1s, business financials and ownership before setting a price range.

Multiple documentation paths

Compare traditional qualifying with eligible bank-statement and alternative programs.

Plan with your tax strategy

Understand how deductions and business cash flow can affect mortgage qualification.

FROM QUESTIONS TO CLOSING

A simple, guided process.

01Review business structure and income history
02Calculate qualifying income under likely programs
03Compare conventional and alternative documentation
04Coordinate documentation through underwriting

COMMON QUESTIONS

Answers before you apply.

01How long do I need to be self-employed?+

Many traditional programs look for a two-year history, although some scenarios may allow a shorter history with related prior experience and supporting documentation.

02Can bank statements be used instead of tax returns?+

Certain non-QM programs may use eligible personal or business bank statements. Requirements, expense factors, rates and down payments vary.

03Do business write-offs reduce qualifying income?+

They can. Some non-cash expenses may be added back, while other deductions reduce the income available for qualifying.

PERSONALIZED NUMBERS, NOT GENERIC ANSWERS

Compare your real options with Impact.

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