$100K - $3M
Residential Mortgage
Home purchase and refinance solutions for business owners. We understand self-employment income documentation.
Residential Mortgage
$100K - $3M
Overview
Traditional mortgage lenders often struggle with self-employed borrowers. Irregular income, multiple revenue streams, and complex tax returns can make the process frustrating. Our lending partners specialize in working with business owners and entrepreneurs — offering bank statement programs, asset-based qualification, and documentation flexibility that standard lenders can't match. Whether you're purchasing a home, refinancing, or pulling cash out of existing equity, we connect you with mortgage programs designed for how business owners actually earn.
Key Features
- Programs for self-employed borrowers
- Bank statement qualification available
- Competitive rates across loan types
- Purchase, refinance, and cash-out options
Funding Range
$100K - $3M
Category
Real Estate
Financing solutions for commercial and residential properties.
Ready to get started?
Apply once and we will match you with the best options for your business.
Start ApplicationStep by Step
How Residential Mortgage works
Tell us about your situation
Share your homeownership goals — purchasing, refinancing, or cash-out — along with your income sources, employment type, and the documentation you have available.
Get matched with the right program
We identify mortgage programs that fit your income documentation type — conventional, bank statement, asset depletion, or alternative documentation. Not every lender offers these; we know which ones do.
Lock your rate and proceed
Once you choose a program and lender, lock your rate and begin the formal underwriting process. We coordinate appraisal, title, and documentation to keep the process on track.
Close on your home
Complete the closing process and receive the keys (or the cash, for refinances). Typical timelines are 30-45 days from application to closing.
Why Choose This Product
Built for growing businesses
Built for Business Owners
Programs designed around self-employment income. Bank statements, not just tax returns.
Documentation Flexibility
12 or 24 month bank statement programs, asset depletion, and other non-QM options available.
Competitive Rates
Access to conventional, FHA, VA, and specialty programs. We shop across multiple lenders for your best rate.
Eligibility
Who qualifies for Residential Mortgage
- Minimum 580 credit score for many programs (some require 620+)
- Self-employed borrowers and business owners are specifically welcome
- Bank statement programs available for borrowers who cannot document income through traditional tax returns
- Down payment requirements vary by program — as low as 3% for conventional, 3.5% for FHA
- Primary residences, second homes, and investment properties eligible depending on program
Real-World Scenarios
Common use cases
A freelance consultant purchases a $450K home using a 12-month bank statement program after being declined by three traditional lenders who could not underwrite her variable income.
A business owner with a profitable LLC refinances his existing mortgage at a lower rate using 24-month bank statements to document income, since his tax returns show lower income due to legitimate business deductions.
An entrepreneur pulls $150K in cash out of her home equity to fund a new business venture, using an asset depletion program that qualifies her based on liquid assets rather than monthly income.
Compare
Residential Mortgage vs. alternatives
Residential mortgages through our network differ from standard bank mortgages primarily in documentation flexibility — bank statement programs and alternative qualification methods that banks rarely offer. A HELOC provides revolving access to home equity without refinancing, but at variable rates and typically lower amounts. For business owners looking to purchase commercial property, a commercial mortgage is the appropriate product. If your credit needs improvement before qualifying for the best residential rates, our credit repair program can help optimize your profile first.
Frequently Asked Questions
Common questions about Residential Mortgage
Minimum requirements vary by program. FHA loans accept scores as low as 580, conventional programs typically start at 620, and bank statement programs vary by lender. Higher scores unlock better rates and lower down payment requirements.
Most residential mortgages close within 30-45 days from application. Bank statement and alternative documentation programs may take slightly longer due to additional verification steps. We manage the timeline closely to avoid delays.
For bank statement programs, you will need 12 or 24 months of personal or business bank statements, a profit and loss statement (can be self-prepared), a government ID, and documentation of your business (business license, EIN letter, or articles of organization).
A bank statement program qualifies you based on your bank deposits over 12 or 24 months rather than tax returns. This benefits business owners whose tax returns show lower income due to legitimate deductions. The lender calculates your qualifying income from your actual bank deposits.
Some programs require 2 years of self-employment history, but exceptions exist. If you have a strong credit score, significant assets, or can show income continuity from a previous career, lenders may offer flexibility on the self-employment duration requirement.
A soft inquiry is used during the pre-qualification phase. A hard credit pull occurs when you formally apply with a specific lender, which may cause a small temporary decrease in your score.
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