Your Situation

You run your own business or you are starting one, and buying a home is somewhere on your radar. The challenge is that lenders evaluate self-employment income differently than a salary – and the gap between what you earn and what a lender will count can be significant. Write-offs that reduce your tax bill also reduce the income number a bank will use. Two years of returns, income averaging, irregular deposit patterns: none of this disqualifies you, but it changes what you need to know before you start looking.

Your Session

• How lenders evaluate self-employment income and what that means for your qualifying number
• Where you are in the timeline and whether now is the right moment to buy
• How your deductions are affecting your mortgage qualification and whether the math still works in your favor
• What to look for in a property when you work from home – zoning, space, and practical considerations
• Next steps based on your specific income history, business structure, and target purchase

Your Report

Your Mortgage Readiness Briefing

• Assessment of where you stand as a self-employed buyer based on your income picture
• What lenders will look at and how your current returns affect your options
• Realistic price range and loan scenarios given your situation
• Specific steps to strengthen your position if timing is not right yet
• Questions to bring to a lender when you are ready

Your Result

A clear picture of where you stand as a self-employed buyer, what your realistic options are right now, and exactly what you would need to do to be in a stronger position if the timing is not right yet. No guessing about whether you qualify. No finding out at the worst moment that something needs to change.

Your Investment

$200 | 45 minutes | Includes follow-up email

The session costs less than an hour of most attorneys’ time and happens before you are mid-search with no clear picture of what you can actually buy.