Self-Employed Mortgages: The Queen Bee’s Sweet Solution 

**Buzz, buzz! Attention all self-employed worker bees and 1099 contractors!** 🐝 

 

We know that self-employed individuals often face a hive of challenges when it comes to qualifying for a mortgage due to all those business expenses you buzz off on your income taxes. But don’t worry, Stephanie at Coast2Coast Mortgage has got your back!

 

Here’s the buzz on our special loan programs tailored just for you:

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**1. Bank Statement Loans**
   - We’ll use your most recent 12-24 bank statements to calculate your income based on your deposits. It’s as sweet as honey!

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**2. Profit and Loss Statement**
   - Using your Profit and Loss statement covering the most recent 12 months, we’ll help you fly into your new home.

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**3. 1099 Only**
   - With this program, we use your last 2 years of 1099 forms to determine your income. Simple and sweet!

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**4. VOE Only (Verification of Employment)**
   - We use a written verification of employment from a third-party vendor to determine your income. Perfect for those who earn cash tips or bonus income that didn’t make it onto your tax returns.

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**5. No Ratio**
   - This program doesn’t require any income documentation at all. No tax returns, pay stubs, or W-2s needed! We still require proof of reserves and down payment/closing costs.  Give me a buzz for more details.

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Our self-employed mortgage options might require a bit more than the typical 3-5% down payment, and the rates are designed to match the inherent risk. But don’t worry, we have several alternative document solutions to keep things buzzing smoothly for you.

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Remember, programs can change, so reach out now!

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Feel free to buzz us anytime!

Stephanie Belknap 941.525.3265