Your scenario

Purchase, refinance & renewal for the self-employed

The same income can be read differently depending on what you're trying to do.

Purchase

Buying while self-employed

Lenders review your income documents, credit, down payment and the property. Get pre-qualified early so you know which lenders fit before you make an offer, and keep financing conditions in your offer where possible. Larger down payments widen the options available.

Refinance

Accessing equity or consolidating debt

Refinancing uses your current income documentation and home equity, subject to loan-to-value limits. Self-employed owners often refinance to consolidate high-interest debt or fund business needs. If traditional lenders don't fit, alternative or private options may, at higher cost, with an exit plan.

Renewal

Renewal or switching lenders

Renewing with your current lender usually avoids requalifying. Switching can mean better terms but typically requires full documentation. Review your options a few months before maturity rather than signing the first renewal offer automatically.

Talk through your file, no pressure.

Text 647-342-1355 or send a short consultation request.

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