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Self-employed homebuyers should not worry about residential home loan approval. These mortgage applications are not difficult if you have an experienced lender who specializes in self-employed home loans.
In some cases the benefits of being self-employed, such as tax write-offs and exemptions that offset income tax liabilities may reflect poorly on annual income when time to get qualified for a home mortgage.
We specialize in self-employed bank-statement loans and can often secure home mortgage approval whereas a large lender would be unable to approve a self-employed buyer.
When we evaluate self-employed applications we approach from a more logical direction using bank statements and credit history. We use the homebuyer’s previous bank statements, deposit history and profit/loss statements to determine qualification approval.
A bank-statement loan first requires a minimum credit score, 20% down, and at least 3 years from credit issues such as bankruptcy and/or foreclosure.
Bank-statement loans are available on home purchases and refinances, available for primary residence mortgages, investment properties, and second-home mortgages. We evaluate bank-statement mortgage applications on a case-by-case basis to provide an objective and considerate analysis. Interest-only options are available in select circumstances, determined on a case-by-case basis.
Not all borrowers need to explore a bank-statement mortgage, while a bank-statement loan can be the ideal loan solution for others. These borrowers may include:
If you are self-employed and have questions about your ability to qualify for a mortgage, contact us today or apply online and we can help you determine the best home loan program.
User Rating5 based on 1 votes
Service TypeSelf Employed Mortgage Loans
Provider NameJeff Kramer - 3211 Internet Blvd Ste 150, Frisco, TX 75034, Telephone No.214-803-3796
AreaDallas-Fort Worth
DescriptionThe Jeff Kramer Team specializes in self-employed mortgage loans, and are experts in self employed mortgage requirements.
Our goal is to earn your business for life. In order to achieve this goal, we promise to go above and beyond for each of our clients.
Hi Natalie, Thank you so much for your vote of confidence and kinds words. I will always take the best care of you and your clients.
Awesome, smooth painless experience!! Jeff and his associates were amazing!
Thank you so very much for all of your help in securing our loan for our new home. Highly professional, knowledgeable and responsive!!
My mortgage loan officer and agent were nothing short of amazing!!
Jeff was amazing from day 1. He always made us feel comfortable. He was organized and on top of everything! We will recommend Jeff to everyone we know moving to the area! Thanks for everything Jeff!
From start to finish easy transition and very informative on how to get me in my new home!!
My husband and I had a wonderful experience with Jeff, Justin, and his team. We will be referring them in the future and hope to work together on our refinance!
Jeff took the time to answer all of our questions and he ensured that we closed without issue. We would recommend Jeff without hesitation.
I enjoyed working with you. Thanks for the great feedback.
Fantastic communication. All my questions were answered promptly.
Great execution on planning and guidance through the whole loan process.
Thanks for much for the vote of confidence Erik! It was a pleasure working with you and Ashley to get you into your beautiful new home!
Thank you Lenna! Happy to be able to get your clients the home that they deserve!
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Amazing review suite – Using Experience.com for over 4 years now and have received over 700 reviews through the platform.
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Thank you so much Kellie! I was happy to help you and you were a pleasure to work with. It’s easy to be clear to close early when you provide documents as quickly as you did.
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