Banks often don't understand self-employed income. Our specialized brokers work with lenders who do - using stated income, bank statements, and business financials to get you approved.
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Real entrepreneurs who got approved when banks said no
"As a contractor, my income varies by season. Banks wanted 2 years of NOAs showing the same income. My broker used a stated income program and got me approved in 3 weeks!"
"I run an online business and write off a lot of expenses. My taxable income looks low, but my cash flow is great. Loan Lizard found a lender who looked at my bank statements instead."
"Just started my consulting business 14 months ago. Most lenders wanted 2 years in business. My broker found one that approved me with just 12 months of financials!"
Traditional lenders don't understand business income. Our brokers specialize in alternative documentation programs.
Don't show all your income on your taxes? Stated income programs let you declare your actual earnings without full documentation.
Show your real cash flow through 12-24 months of bank statements. Perfect for business owners with strong deposits.
Some lenders approve businesses with just 12-18 months of history. We know which ones and how to present your file.
We add back eligible business write-offs to show your true income. Your tax-efficient strategy won't hurt your mortgage approval.
Whether you're incorporated, a sole prop, or have multiple businesses, our brokers know how to structure your application.
Self-employed doesn't mean expensive. With strong equity and good credit, you can still access near-prime rates.
Answer a few questions to get matched with brokers who specialize in self-employed mortgages