Absolutely. We have access to 100's of mortgage loan programs, including no-income verification mortgage programs (where you don't have to show your income at all to qualify for a mortgage), and even self-employed mortgage programs: where you can still get a mortgage even if you don't have consistent income.

Yes! Some lenders offer an N.I.Q. (no income qualify) mortgage where they use your stated income to qualify, on approved credit. You still get favourable rates and, depending on the lender, could get up to 100% financing!

YES. We can help you if you're self employed whether you have three years trading accounts or no proof of income.

Generally, the income of self-employed borrowers is verified by obtaining copies of personal (and business, if applicable) federal tax returns for the most recent two-year period. However, based on your entire financial situation, we may not need full copies of your tax returns. We'll review and average the net income from self-employment that's reported on your tax returns to determine the income that can be used to qualify.

Yes. We have access to a large number of loan and mortgage products that will accept incomes that are self certified i.e. you cannot provide any other proof of income such as a letter from an Accountant etc. Our professional underwriters will contact you, in the strictest confidence, and discuss the options available to you.

Send Healthy Steps the income verification that you have. (Example: If you opened a daycare in your home six months ago, send a copy of the ledger showing income and expenses dating from the start of the business.)

Yes, we offer mortgages for the self employed. Most lenders will want to see either accounts or self assessment documentation but we do have a self certification mortgage for those self employed people who are unable to provide proof of earnings.

This will depend upon the specific circumstances and the type of loan required. ARK Mortgages works with numerous lenders that have deep experience lending to self-employed people. Please call us for additional details.

YES. Most lenders will want 2-3 years accounts, although there are specialist lenders that can solve any difficulties you may have. If you have any worries, please speak to one of our qualified advisers who will point you in the right direction.

A self-employed applicant can qualify for a loan but must support the application with supplemental information including a two year history of averaged earnings. Valley Mortgage Company, Inc. can advise you about the type of verification required by each lender and recommend which lender best suits your needs.

Yes, at Loansforselfemployed a self employed can easily qualify for any loan type with or without accounts.

Our personal loans are for any purpose. Our clients use their money for debt consolidation, home improvements, new car purchases etc.

Absolutely, we offer many different mortgage loan options. You should contact one of our loan officers to review your many available mortgage loan options. California Mortgage Loan Home | Apply Online | Loan Programs | Loan Process | Mortgage Info | Mortgage Loans | Online Forms | Calculators | About Us California Mortgage | California Mortgage Loan | California Home Loan | Bad Credit Mortgage | First Time Homebuyer | Second Mortgage Bad Credit Loan

owner is considered self-employed if their business is not a partnership or a corporation and is owned but just one person (a sole proprietorship). The Workers' Disability Compensation Act covers employees of a sole proprietorship, but the person who owns the business, the sole proprietor, is not an employee of anyone and accordingly is not covered by the Act. top

Yes! We provide loan options for people who are self-employed. Just a five-minute phone call for your free loan consultation will get you started.

You will need to show the following: Two years personal income tax returns, two years business income tax returns (if you are incorporated). With sub prime loans, we can sometimes use the last 6-12 months of bank statements. Some of the lenders may ask for a list of documents.

It is possible to commence a policy against becoming 'involuntary insolvent' in order to protect your mortgage payments. Life and/or critical illness policies are also recommended.

If you don't want a loan that is certainly your decision/choice. The SBA will help you decide whether or not you can afford a loan. Federal disaster rules mandate that you apply for a disaster loan before being considered for any additional disaster assistance (unless you do not meet the income test).