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Recent Posts
- Mortgage for Amazon Sellers: Qualify on FBA Income
- Mortgage for Affiliate Marketers: How to Qualify on Commission Income
- Can Influencers Get Mortgages? Yes — Here’s Exactly How
- What Income Counts for a Self-Employed Mortgage? The Complete Documentation Guide
- Self-Employed Mortgage With Less Than One Year of Self-Employment
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Mortgage for Amazon Sellers: Qualify on FBA Income
Amazon FBA sellers qualify for mortgages using bank statement loans — not conventional. Seller Central disbursements count as business deposits, the expense factor accounts for inventory cost of goods sold and Amazon fees, and tax-return net income gets ignored entirely. The reason is simple: an Amazon seller doing $1.5M in gross revenue with a strong
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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
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Can Influencers Get Mortgages? Yes — Here’s Exactly How
Yes, influencers can get mortgages — but almost never through a conventional lender. The path is a bank statement loan, which uses 12 or 24 months of deposits as the income source instead of tax returns. Sponsorship payments, brand deal wires, platform payouts (Instagram Reels Bonuses, TikTok Creator Fund, YouTube AdSense), affiliate commissions, and management
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What Income Counts for a Self-Employed Mortgage? The Complete Documentation Guide
What income counts for a self-employed mortgage depends entirely on which program you’re applying under. Conventional lenders use net income from tax returns. Bank statement loans use 12 or 24 months of business or personal deposits. 1099 loans use the gross totals on your 1099 forms. P&L statement loans use the net profit on a
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How to Get a Mortgage When You’re Self-Employed: The Complete Guide
Getting a mortgage when you’re self-employed is harder than it should be — but not because you can’t qualify. The challenge is matching your income to the right loan program. Conventional mortgages use tax-return net income, which is artificially low for any self-employed borrower with strong write-offs. Bank statement loans use deposits. 1099 loans use
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How Do Bank Statement Loans Work? The Self-Employed Mortgage Explained
Bank statement loans qualify a self-employed borrower using 12 or 24 months of bank deposits as the income source — not tax returns. The lender adds up the deposits over the review period, applies an expense factor to back out the cost of running the business, divides by the number of months to produce monthly
