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.

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. See similar questions...

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. See similar questions...

No. Either a PE or LS in your company must verify or a PE or LS outside your company who has knowledge of your engineering or land surveying experience. See similar questions...

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. See similar questions...

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. See similar questions...

We can help! Because we're specialists within the vehicle finance business, we concentrate our efforts in removing barriers, making it easier for everyone to apply for vehicle finance, whatever their circumstances. See similar questions...

To avoid penalties you must file your income tax return by June 15th, 2004, however if you have a balance owing you must make your payment by April 30, 2004. See similar questions...

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! See similar questions...

If you are self-employed you need to take the same action to protect yourself as an employer takes to protect employees, and to use protective equipment on the same basis as employees. Employers also need to take action to protect those who are employed by them to work at home. See similar questions...

Yes, you must provide two years earnings statements indicating your income level. See your lender for more information. See similar questions...

Health and safety law applies to all businesses however small. It covers employees, full or part-time, temporary or permanent; self-employed; young people doing work experience; apprentices; charity workers; mobile workers and home workers. Even if you are self-employed, and do not have employees, you still need to assess health and safety risks which may affect you and others, eg other contractors, office staff, members of the public. See similar questions...

Answer: We look to the borrower's Schedule E, or actual leases, rental letters or estoppel certificates. We also do loans with no income verification (NIV). These loans look to the property to have sufficient net income and we do not look at the borrower's income to support the payments. See similar questions...

Yes, we have a whole range of products that suit mostly all situations. Please contact us to discuss your individual situation. What if I have had bad credit problems in the past? People who have credit problems are still able to get loans through non-confirming lenders. These lenders specialise in loans for people who do not fit into the prime market. The rates are slightly higher to cover the risk of the lender. Please contact us for further details. See similar questions...

A – Healthcare Group of AZ has been around since 1985. I administered this plan for APIPA/United HealthGroup from 1996 through 2000. It is an effort by our government to help reduce Arizona’s uninsured population. Being a true small group health plan, it is limited to covering the self-employed and small businesses with less than 50 employees. The state recognized that there were two main barriers to securing healthcare. See similar questions...

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.) See similar questions...

Your CSEA can register your support order in Oregon for enforcement. The child support agency in Oregon will then be able to use all the enforcement tools available under its state law to collect your support. Your case may qualify for federal prosecution under the Child Support Recovery Act of 1992 or other federal law. You should discuss this possibility with your CSEA. Ohio has reciprocal agreements with several European countries, most Canadian provinces and certain other foreign countries. See similar questions...

The same limits on contributions made to employees' SEP-IRAs also apply to contributions made to a self-employed individual's SEP-IRA. However, special rules apply when figuring out the maximum deductible contribution. See Publication 560 for details on determining the contribution amount. Most SEPs, including the IRS model Form 5305-SEP, require that allocations to all employees' SEP-IRAs be proportional to their salary/wages. See similar questions...

Recovery is an ongoing process and building a network of community supports through recovery groups [go to links] is the most proven way to maintain long-term abstinence. See similar questions...

Not necessarily. Only businesses that are in the fields of culture, athletics or farm management can be considered under the self-employed category. Examples of Self-employed categories are music teachers, artists, illustrators, film makers, freelance journalists, choreographers, set designers, coaches and trainers, theatrical or musical directors and impresarios. See similar questions...