Secure a Mortgage as a Self-Employed Professional

Empowering Business Owners to Achieve Homeownership

As a successful entrepreneur, you’ve built a thriving business and accumulated assets. Yet, when it comes to securing a mortgage, traditional lenders often overlook your true financial picture. You shouldn’t have to bypass the benefits the tax code affords you in order to buy a house as a business owner. At Mortgage Maestro Group, we understand the unique challenges self-employed individuals face and offer tailored solutions to help you achieve your homeownership goals. Even for those who own businesses in the Cannabis industry.

Understanding the Self-Employed Mortgage Challenge

Traditional lenders typically assess income through tax returns, which may not accurately reflect your financial health due to strategic deductions. This approach can lead to loan denials, even when your business cash flow and assets demonstrate strong repayment capacity.

Customized Mortgage Solutions for Entrepreneurs

We specialize in mortgage programs designed for self-employed professionals:

• Bank Statement Loans: We typically utilize 12–24 months of business or personal bank statements to showcase income. 

• Asset Depletion Programs: Qualify based on your liquid assets rather than traditional income documentation.

• Profit & Loss Statement Loans: Leverage CPA-prepared P&L statements to demonstrate your business’s financial strength.

• Non-QM Loans: Access flexible underwriting criteria that consider your unique financial situation.

Why Choose Mortgage Maestro Group?

As an independent mortgage broker and fellow business owner, I, Ray Williams, bring firsthand understanding of the entrepreneurial journey. Our fiduciary responsibility is to find loan programs that best fit your unique situation. We collaborate with specialized lenders who offer programs tailored for self-employed borrowers, ensuring you receive personalized guidance and solutions.

Take the Next Step Toward Homeownership

Don’t let traditional lending barriers hinder your dreams. Schedule a complimentary consultation today to explore mortgage options aligned with your entrepreneurial success.

Contact Us OR get pre-qualified today:

• Phone: 303.779.0591

• Pre-Qualification for Self-Employed Mortgage

Frequently Asked Questions

Q: Can I qualify for a mortgage if my tax returns show low income?

A: Yes. We offer programs that consider alternative documentation, such as bank statements and asset portfolios, to assess your true financial capacity.

Q: How long do I have to own my business?

A: Typically we like to see you have been in business two years. Bear in mind there are exceptions to the rule given these are non-traditional mortgages. Make sure to talk through your situation with us. Having a clear picture makes all the difference when getting a mortgage as a business owner.

Q: What is a Non-QM loan?

A: Non-QM (Non-Qualified Mortgage) loans provide flexible underwriting criteria, ideal for self-employed individuals with unique income structures.

Q: How do bank statement loans work?

A: These loans evaluate your income based on 12–24 months of bank statements, bypassing traditional tax return requirements. We often find the qualifying income can be as much as 10 times higher than a tax return yields. (*Talk to us if you are less than 12 months of being self-employed we may be able to help you).

Q: Are there mortgage options if I have a high debt-to-income ratio?

A: Absolutely. We can explore programs that consider your overall financial profile, including assets and cash flow, to find suitable solutions.

Q: How quickly can I get approved?

A: Approval timelines vary, but our streamlined process aims to provide decisions promptly, often within a few days of receiving complete documentation. One benefit is we pre-underwrite your income you can rest assured knowing you’ll be able to close on your dream home. 

Schedule a complimentary consultation today