Self-Employed Mortgage Guides
Deep-dive guides on loan programs, qualifying income, and comparisons. Each one is designed to help you qualify for a home loan with confidence.
Popular Loan Programs
Insurance for the Self-Employed: Health, Disability, and Life Coverage Before You Buy a Home
A plain-English guide to the health, disability, and term life insurance self-employed buyers need to protect their income and become mortgage-ready before buying a home.
6 key takeaways
LLC vs. S-Corp for the Self-Employed: The Tax-vs-Mortgage Trade-Off
An S-corp election can slash your self-employment tax — but it splits income into W-2 wages and K-1 distributions, which changes how a mortgage lender counts you. A worked example of the trade-off.
7 key takeaways
Bookkeeping for the Self-Employed: Clean Books, Mortgage-Ready Income
A step-by-step bookkeeping system for self-employed people that doubles as mortgage-ready income documentation. Separate accounts, Schedule C categorization, clean P&L, and the right tools.
7 key takeaways
Business Bank Account for the Self-Employed: Best Picks for Mortgage Readiness
A clean business bank account turns your deposits into mortgage-ready income. We explain what underwriters look for, then compare Relay, Lili, Novo, Found, Bluevine, and Mercury.
7 key takeaways
Self-Employed Mortgage Options: Bank-Statement vs. 1099 vs. Tax-Return vs. P&L vs. Asset-Depletion
A neutral comparison of the five self-employed mortgage paths — full-doc, bank-statement, 1099, P&L-only, and asset-depletion — with a framework to find the cheapest path you qualify for.
7 key takeaways
Mortgages for the Self-Employed, Demystified
Weekly tips on qualifying with bank statements, 1099 income, and non-QM loans. Free, no spam.