You're Successful in Business... So Why Is Getting a Mortgage So Difficult?

As a business owner, you've worked hard to build your company, increase your income, and make smart financial decisions. One of those smart decisions is taking legitimate tax deductions to reduce your taxable income.

Ironically, that's often the reason traditional lenders say "no."

Most conventional mortgage programs look only at your tax returns. Because your deductions reduce your reported income, you may appear to earn less than you actually do—even when your business is thriving.

A Smarter Mortgage Solution for Self-Employed Borrowers

If you've been self-employed for at least two years, our Profit & Loss (P&L) Loan may be the solution you've been looking for.

Instead of relying primarily on tax returns, qualified borrowers can use a Profit & Loss statement prepared by a CPA, EA, or CTEC to verify business income.

Program Highlights

• Loan amounts from $100,000 to $2 million
• Available for:
  • Primary residences
  • Second homes
  • Investment properties
• Designed specifically for self-employed business owners
• Alternative income documentation that better reflects your true earning power

More Financing Options for Business Owners

Depending on your financial situation, you may also qualify for:

• Bank Statement Loan – Qualify using personal or business bank deposits instead of tax returns.
• Investor Cash Flow Loan – Qualify based on the property's rental income.
• 1099 Loan – Ideal for independent contractors and commission-based professionals.
• Asset Qualifier Loan – Use your liquid assets to demonstrate your ability to repay.
• Equity Loan – Access the value of your investment portfolio or existing assets to help finance your next opportunity.

Don't Let Tax Deductions Keep You From Homeownership

You've done everything right to grow your business. Your mortgage should reflect your real financial strength—not just what's shown on your tax return.

If you've been turned down by a traditional lender, there may be a better option.

Contact us today to learn which mortgage program is the best fit for your financial situation and take the next step toward your homeownership or investment goals.