Give us a call at 303.779.0591
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.
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.
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.
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.
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
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.
Licensed in Colorado as Maestro LLC (DBA Mortgage Maestro Group) is an Equal Housing Lender.
Consumers wishing to file a complaint against a company or a residential Mortgage loan originator should complete and send a complaint form to the Texas department of savings and mortgage lending, 2601 North Lamar, suite 201, Austin, Texas 78705. Complaint forms and instructions may be obtained from the Department’s website at www.sml.texas.gov. A toll-free consumer hotline is available at 1-877-276-5550. The department maintains a recovery fund to make payments of certain actual out of pocket damages sustained by borrowers caused by acts of licensed residential mortgage loan originators. A written application for reimbursement from the recovery fund must be filed with and investigated by the department prior to the payment of a claim. For more information about the recovery fund, please consult the department’s website at www.sml.texas.gov.
Home Mortgage Disclosure Act Notice. The HMDA data about our residential mortgage lending are available online for review. The data show geographic distribution of loans and applications; ethnicity, race, sex, age and income of applicants and borrowers; and information about loan approvals and denials. HMDA data for many other financial institutions are also available online. For more information, visit the Consumer Financial Protection Bureau’s website.
