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Recent Posts
- Can You Get A HELOC On A Second Home? The Rules Nobody Explains
- Can You Get A HELOC On A Paid-Off House? Yes — Here Is The Catch
- Mortgage for Newly Self-Employed Borrowers: How the 2-Year Rule Really Works
- HELOC Income Verification: No Document Chase, No Tax Returns
- Can You Get A HELOC Without An Appraisal? How AVMs Decide
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Mortgage for Newly Self-Employed Borrowers: How the 2-Year Rule Really Works
Getting a mortgage for newly self-employed borrowers comes down to one rule almost everyone gets wrong: the 2-year rule. Most banks tell you that you need two full years of self-employment income before you can buy a house. So new business owners sit out of the market for two years, renting, waiting for a clock…
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Mortgage for Freelancers: How to Qualify on Variable Income
Freelancers qualify for mortgages using bank statement loans, 1099 income loans, or both. Project-based income from clients, retainer deposits, agency disbursements, and gig platform payouts (Upwork, Fiverr, Toptal, Contra) all count when documented properly. The difference between freelancers and traditional W-2 borrowers isn’t the amount earned — it’s the variability and the tax-return distortion. Strong…
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Mortgage for Consultants: How Independent Consultants Qualify
Independent consultants qualify for mortgages using bank statement loans, 1099 income loans, or P&L statement loans. Project-based fees, monthly retainers, and engagement deposits all count as income when documented properly. Management consultants, IT consultants, healthcare consultants, strategy consultants, marketing consultants, and freelance specialists across every industry share the same core challenge: tax-return net income doesn’t…
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Mortgage for Affiliate Marketers: How to Qualify on Commission Income
Affiliate marketers qualify for mortgages using bank statement loans, 1099 income loans, or a combination of both. Commission deposits from Amazon Associates, Impact, ShareASale, CJ Affiliate, ClickBank, RewardStyle/LTK, and direct brand programs all count as income when documented properly. The challenges affiliate marketers face are different from W-2 borrowers — commission timing is variable, networks…
