Self-Employed Home Buyers - Northern Virginia
Tax returns show what you deducted - not what your business actually generates. Bank-statement and P&L programs let lenders see your real income. The first conversation is free, starts with a soft pull, and does not affect your score.
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The self-employed catch-22
You run a real business, carry real revenue, and manage real cash flow - but the tax return your CPA optimized can look thin on paper. Traditional lenders stop there. We do not. Bank-statement loans and P&L programs were built precisely for people like you.
How we help
12 or 24 months of deposits tell your real income story - no W-2 required. We average your deposits and qualify you on that figure.
A CPA-prepared profit and loss statement, or even your assets alone, can qualify you for the right programs without a single tax return.
You do not have to change how you file. We find the program that works with your tax strategy, not against it.
A peek at the numbers
An illustrative self-employed buyer scenario - Northern Virginia market.
Your road to keys
We review your income sources, bank statements, and credit (soft pull - no score impact) to identify the best program for your situation in about 20 minutes.
We give you a precise checklist - typically 12-24 months of bank statements or a CPA-prepared P&L. No guessing what to gather.
Once we confirm your program and numbers, you get a pre-approval letter so you can shop with full confidence and compete on any offer.
We manage the loan through to closing - keeping you informed every step, so your business stays your focus and we handle the mortgage.
Your team
Good questions
Yes - that is exactly what bank-statement programs are for. Instead of relying on your adjusted gross income, we average 12 or 24 months of your business or personal deposits. Your write-offs stay, and we qualify you on actual cash flow.
For a bank-statement loan: typically 12-24 months of business or personal bank statements, two years of business ownership verification (license, CPA letter, or LLC docs), and a government-issued ID. For a P&L program: a CPA-prepared profit and loss statement plus statements. We send you the exact list after the first call.
Most programs require at least 2 years of self-employment. Some allow 1 year with strong compensating factors. We review your specific situation on the first call.
The first conversation starts with a soft pull - a soft credit check that does not affect your score. A hard pull is required only when you formally apply, and we do that only when you are ready to move forward.
Bank-statement and P&L programs may carry a modest rate premium that varies by program and market conditions; we show you the exact pricing for your scenario. In many markets it is still well worth it to own instead of rent.
Take the first step
Free and no obligation - we will reach out with your personalized numbers.
Free and no obligation. Tell us how to reach you and we will build your personalized numbers - no credit pull to start.
Thanks - we have your details and will reach out shortly with your numbers.