Are you Self Employed?

Most of our Mortgages for Self Employed borrowers are at the best interest rates on the market!
Many Self Employed borrowers are unable to verify their income the same way as an employed borrower. Most Self Employed people write-off many of their business expenses and because of that have low taxable incomes. We have programs available for people in the following categories:

• Small Business Owners - incorporated or sole proprietors
• Commissioned sales people
• Borrowers who receive tips, bonuses etcetera
• Consultants
• Contractors

There are many different products and each of them requiring specific documentation. A few of the products available include:

• Purchases with 5% down & Refinances up to 90% LTV with no need to verify the income. You must show you have been in the same line of work for two years. You must have strong credit. Insurance premiums apply, but best rates are available with most lenders.
• Purchases or Refinances with 20% down will get you very competitive rates with no fees but will need to prove you have been self employed for 2 years. Good credit is required, and you can not have been bankrupt in the last 7 years. Amortizations still available up to 40 years on this program!
• Purchases or Refinances with as little as 20% down even if you have some credit challenges. Slightly higher rates and small fees may apply, but if you follow our credit repair program, you will likely be able to refinance to a better mortgage at the end of your term!
• Purchase a rental property, with no income verification, with as little as 35% down payment.

Call us today or apply online to see what programs might fit you the best.