Self Employed? You Can Buy a Home. Here's How. скачать в хорошем качестве

Self Employed? You Can Buy a Home. Here's How.

Self-employed and trying to buy a home but getting stuck on the mortgage process? You are not alone. Qualifying for a mortgage as a self-employed buyer works differently than it does for W-2 employees, and the biggest surprise is this: lenders typically focus on net income after write-offs, not gross revenue. In this video, I explain how self-employed income is reviewed, what lenders usually want to see (often two years of tax returns), and the most common hurdles that can affect approval like large deductions, inconsistent earnings, or mixed personal and business finances. I also share practical strategies to help you prepare early, strengthen your file, and work with the right lender so you can buy a home with confidence. If you are self-employed and thinking about buying a home in 2026, this video will help you understand what to expect and how to improve your chances of getting pre-approved. 📌 Topics covered: How lenders calculate self-employed income Why write-offs can reduce qualifying income Common underwriting hurdles for business owners Documents you may need (tax returns, P&L, reserves) Smart prep tips to help you qualify sooner 💬 Question of the day: If you’re self-employed, what has been the biggest challenge in trying to buy a home? 👋 I’m Valerie Barber with Hanson Real Estate Group in Lake County, Florida. If you’re looking to buy or sell in Central Florida, I’d love to help.