Flexible financing options designed for entrepreneurs, freelancers, business owners, and independent professionals.
Schedule a Consultation Start My Pre-ApprovalBusiness owners, freelancers, contractors, and entrepreneurs often structure income differently than traditional W-2 employees. That can make the mortgage process feel more complicated, but it does not mean homeownership is out of reach.
Instead of using a one-size-fits-all approach, Chet helps self-employed borrowers explore loan options that may better fit their income structure and financial goals.
Understand how lenders may evaluate self-employed income, tax returns, business deposits, and documentation.
Explore programs that may work better for business owners, 1099 earners, freelancers, and independent contractors.
Get straightforward guidance without confusing lender jargon or unnecessary pressure.
Whether you're expanding your business, purchasing your first home, or refinancing an existing property, Chet helps self-employed borrowers navigate the process with clear guidance and personalized solutions.
Many self-employed borrowers feel frustrated after talking with lenders who do not fully understand how business income works. The goal is to explore realistic options and understand the next steps with confidence.
Let’s Talk About Your GoalsWhether you’re a business owner, contractor, freelancer, or entrepreneur, Chet can help you better understand mortgage options designed for self-employed borrowers.
Schedule a Consultation Start My Pre-ApprovalSome programs may require two years, while others may allow one year depending on the loan type, income history, and overall borrower profile.
Bank statement programs may allow income to be reviewed using business or personal bank deposits instead of traditional tax return calculations.
In some cases, a profit and loss statement may help support the income review, depending on the program and documentation requirements.
Yes. Variable income does not automatically prevent approval. The right approach depends on income history, documentation, credit, assets, and the loan program.
Credit score requirements vary by program. Chet can help review your situation and explain which options may fit best.
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