For business owners
Work for yourself? You can still buy a home.
Banks like pay stubs. You don’t have them. That’s okay — I know the programs made for people like you.
“I need 2 years of tax returns.”
We can use your bank statements instead.
“My write-offs hurt my chances.”
Some programs look at your real cash flow, not your tax return.
“Banks already said no.”
Banks have one box. I shop many lenders with many boxes.
What we can use instead of pay stubs
I
Bank statements
12–24 months of the money coming into your account.
II
A P&L from your accountant
A simple summary of what your business earns.
III
1099 forms
If companies pay you as a contractor.
Have none of these? Still reach out. There are more ways than most people think.