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Self-Employed Mortgage Options | Chet Hearn

Let’s Explore Your Self-Employed Mortgage Options

Takes just a few minutes.

Share a little about your business, income documentation, and goals so Chet can point you in the right direction.

Chet Hearn
Chet Hearn
Senior Mortgage Loan Advisor
Licensed throughout Texas — locally rooted in Kerrville, San Antonio & the Texas Hill Country.
NMLS #1931461  •  Coast2Coast Mortgage  •  Call/Text: (830) 642-1507
✓Quick & Easy
✓No Hard Credit Pull
✓No Obligation

How the Process Works

Whether you're a business owner, freelancer, independent contractor, or entrepreneur, my goal is to help you understand your options clearly and confidently.

1
Tell me about your business and goals.

Share a few details about your income, business structure, and what you're hoping to accomplish.

2
I review your situation personally.

I'll look at your income documentation, timeline, credit profile, and available loan options to see what may fit your needs.

3
Get clear next steps.

Whether you're ready to buy now or simply exploring possibilities, I'll help you understand your options and what comes next — without pressure or obligation.

Step 1 of 4 · Loan details · 25% complete
Loan detailsIncomeAssets & creditContact info
✓ Quick & Easy✓ No Hard Credit Pull✓ No Obligation
Tell Me About Your Goals
What are you hoping to accomplish?

Buying a Home

How soon are you looking to buy?
A rough estimate is fine.

Refinance Details

What is your main refinance goal?
Property type
How will it be used?
When are you hoping to move forward?
Adding a co-borrower?
Income & Documentation
Employment / business structure
How long have you been self-employed?
Combined total from all sources.
How do you typically document your income?
Self-employed income can be documented in different ways. Chet will review your situation and help you understand which mortgage options may fit your goals.

Co-Borrower Income

Assets & Credit
Estimated credit score range
Any of the following in the past 7 years?
Car loans, student loans, credit card minimums, etc. — excluding housing.
No credit report will be pulled without your explicit approval. Submitting this form has zero impact on your credit score.
ScoreAdvantage / soft-pull review available.
Before any hard inquiry, Chet can review credit with a soft pull instead. If there is room to improve before locking a rate, he can walk you through ScoreAdvantage options.

Soft Credit Review Details

Soft pull only — no impact to credit score.
Used solely to request a soft credit inquiry. Transmitted securely.
Anything else you'd like Chet to know?
Optional — but the more context Chet has, the better he can help you.
Final step — where should we send your review?

Co-Borrower Contact

Current address
or
Schedule a Call with Chet Instead
Your information is safe — we don’t share your data.
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This offer made by Coast2Coast Mortgage, LLC, NMLS #376205, 125 B King Street, St Augustine, FL 32084, which is not affiliated with your current lender, nor is it a federal government agency or government form. This is not a credit decision or a commitment to lend.

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.

Disclosure:
The content provided within this website is presented for information purposes only. This is not a commitment to lend or extend credit. Information and/or dates are subject to change without notice. All loans are subject to credit approval. Other restrictions may apply. Mortgage loans may be arranged through third party providers.
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