Being self-employed comes with freedom and flexibility—but when it comes to qualifying for a mortgage or managing debt, it can feel like the system is working against you.

That was the case for one of our clients, a successful business owner carrying over $150,000 in credit card debt. Despite having significant equity in his home, traditional lenders denied him a loan. Why? His tax returns didn’t show enough income to meet conventional lending guidelines.

A Smarter Solution for Self-Employed Borrowers

Instead of giving up, we used a bank statement loan—a program specifically designed for self-employed individuals. By using 12 months of business bank statements to verify income, we were able to document what tax returns couldn’t.

We refinanced his mortgage, paid off his high-interest debt, and simplified his finances.

The Results

• Refinanced the home
• Consolidated over $150,000 in credit card debt
• Reduced monthly payments by more than $4,000
• Replaced multiple bills with one manageable mortgage

This is the power of knowing your options. If you’re self-employed and struggling to qualify for a traditional loan, there are flexible programs out there that may work for you.

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Let’s explore your options together.
Contact us today for a free consultation—no pressure, just honest advice and solutions tailored to your situation.