Self-Employed? We've Got Tailored Mortgage Solutions Just for You

As a self-employed professional, you might think that securing a home loan in Florida is more challenging due to the way you manage your income and expenses. The truth is, while traditional lenders may see self-employment as a risk, there are plenty of mortgage options designed to help you achieve your homeownership goals without the usual headaches. MaryAnn Sigurdson specializes in helping self-employed individuals like you navigate the mortgage process, ensuring that your unique financial situation is fully understood and leveraged to your advantage.

Your Self-Employment Shouldn't Hold You Back

Many self-employed borrowers worry that their ability to qualify for a mortgage is limited because they write off significant expenses, reducing their net taxable income. But that’s the beauty of being self-employed! The good news is, there are several ways to calculate your income for a mortgage, ensuring you can still qualify for the home of your dreams in Florida.

• Flexible Income Calculation: We can use various methods to determine your income, including one or two years of tax returns, year-to-date profit and loss statements, bank statements, or even 1099s.
• Add-Back Deductions: Certain deductions on your tax returns can be added back to your income, potentially increasing your qualifying amount.
• DSCR Loans for Investors: If you’re buying an investment property, we can offer DSCR (Debt Service Coverage Ratio) loans that focus on the property’s rental income rather than your personal income.

Mary Ann’s expertise ensures that you’ll explore every available option, making the mortgage process as smooth and stress-free as possible.

Real Success for Real People in Florida

Meet Jay, a self-employed entrepreneur in Florida who thought owning a home was out of reach. With fluctuating income and extensive tax write-offs, Jay believed he wouldn’t qualify for a mortgage. But with Mary Ann’s help, Jay discovered he had more options than he thought. By using bank statements and carefully considering his income deductions, Jay secured a mortgage with favorable terms and is now enjoying life in his dream home.

Stories like Jay’s are common with Mary Ann. Her commitment to understanding the unique needs of self-employed clients has helped many professionals achieve their homeownership dreams, despite the complexities of their financial situations.

Your Path to Homeownership in Florida, Simplified

Navigating the mortgage process as a self-employed professional doesn’t have to be daunting. Here’s how Mary Ann makes it simple:

1. Initial Consultation: We start with a no-obligation conversation to understand your financial situation and homeownership goals in Florida.
2. Income Analysis: Mary Ann will review your financial documents, identifying the best way to calculate your income to maximize your mortgage potential.
3. Loan Options: Based on your unique profile, we’ll match you with the best mortgage programs, including options specifically designed for self-employed individuals.
4. Application & Approval: Mary Ann guides you through the application process, ensuring that all documentation is in order for a smooth approval.
5. Closing: From offer to closing, Mary Ann is with you every step of the way, making sure you understand and are comfortable with every part of the process.

With Mary Ann by your side, you can focus on what you do best—running your business—while she handles the complexities of securing your mortgage.