Self Employed Business Owners, Entrepreneurs, & Contractors
Owning a business can be both rewarding and financially lucrative, and we fully support entrepreneurial success. However, lenders assess risk carefully and require proof of business viability and profitability to ensure long-term stability. If you own or partially own a business, you may be required to provide documentation demonstrating its financial health, including:
- W-2 Forms (If applicable, for the most recent one to two years)
- Personal Tax Returns (Typically two years)
- Business Tax Returns, Including Schedule E (To verify business income and expenses)
- Proof of Business Ownership (Such as operating agreements or business licenses)
This is not an exhaustive list, as each business ownership scenario is unique. Underwriters may request additional or fewer documents based on your specific financial profile. Our expertise lies in helping business owners and partners structure their applications strategically to maximize their loan qualification potential—without placing them in a financially burdensome situation.
For those seeking alternative documentation options, we offer specialized loan programs with more flexible income verification requirements. Contact us to explore the best financing solutions for your business and homeownership goals.
