Are you self-employed and looking to buy a home? At Mortgage Capital, we understand that securing a home loan when you’re self-employed can feel like a challenge, but we’re here to make the process easier. We specialize in helping self-employed individuals navigate the mortgage process and get approved for the home of their dreams.

    Why Choose Mortgage Capital for Your Self-Employed Home Loan?

    At Mortgage Capital, we ensure that self-employment doesn’t hold you back from achieving homeownership. Our team provides personalized solutions tailored to your unique financial situation, no matter how complex your income may be. With years of mortgage industry experience, we have helped countless self-employed individuals secure home loans with competitive rates and flexible terms.

    Key Benefits of Working with Us:

    • Expert Guidance: Navigating the mortgage process can be daunting, especially as a self-employed borrower. Our mortgage experts are here to guide you every step of the way and help you gather the necessary documentation.
    • Customized Loan Options: Whether you’re looking for a conventional loan, FHA loan, or another specialized mortgage, we offer a variety of loan options to suit your needs.
    • Competitive Rates: At Mortgage Capital, we’re dedicated to helping you get the best possible rates, even if you’re self-employed. We understand the nuances of self-employed income and offer flexible solutions tailored to you.
    • Faster Approvals: We know time is of the essence when it comes to purchasing a home. Our streamlined process ensures quicker approval times, so you can focus on finding your dream home instead of worrying about paperwork.

    What You’ll Need to Qualify:

    As a self-employed borrower, you must meet a few additional requirements compared to traditional salaried employees. Here’s how:

    • 2 Years of Tax Returns: Lenders will want to review your past two years of tax returns (including all schedules) to verify your income.
    • Profit and Loss Statement: For business owners, a detailed profit and loss statement is essential for assessing your financial standing.
    • Bank Statements: A few months of recent bank statements will help demonstrate your financial stability and cash flow.
    • Credit Score: While credit scores are important, self-employed borrowers with strong credit can still get favorable terms.

    Types of Self-Employed Home Loans:

    • Conventional Loans: If you have a solid financial track record, conventional loans might be a great option.
    • FHA Loans: For first-time homebuyers or those with less-than-perfect credit, FHA loans offer flexible qualifications.
    • VA Loans: Veterans may qualify for VA loans, which offer lower rates and no down payment options.
    • Jumbo Loans: If you’re purchasing a high-value home, our jumbo loan options can help make your dream home a reality.

    Begin Today

    At Mortgage Capital, we make it easier for self-employed individuals to secure the financing they need for their new home. If you’re ready to take the next step in your home-buying journey, give us a call today at 561-300-0380 or contact us through our website. Our team is here to answer any questions and help you find the best mortgage solution.

    Why Wait? Call Mortgage Capital Now!

    Homeownership is within reach – and with Mortgage Capital, you don’t have to face the process alone. Let us help you secure the perfect mortgage for your needs and make your homeownership dreams come true! Call us at 561-300-0380 or contact us to get started today

    Mortgage Capital – Your Trusted Partner for Self-Employed Home Loans.