🏡 Self-Employed? Traditional mortgage documentation isn't your only option.

If you've been self-employed for 2 or more years, there's a specialized mortgage program designed with business owners in mind.

Instead of providing bank statements, eligible borrowers may be able to document income using a 12-month Profit & Loss (P&L) statement signed by their CPA or Enrolled Agent.

✔ Self-employed for 2+ years
✔ 12-month P&L required
✔ P&L must be signed by a CPA or Enrolled Agent
✔ No bank statements required for income documentation
✔ Available for first mortgages and second mortgages
✔ Available for primary residences, second homes, and investment properties

Every borrower's situation is different, and this program isn't the right fit for everyone—but if you're self-employed and have been told qualifying for a mortgage is difficult, it may be worth exploring your options.

I'd be happy to review your goals and see if this program could be a good fit.

📞 443-831-0554
📧 mbivens@deltamortgageservices.com

Michelle Bivens
Mortgage Mama 🏡💙
Senior Mortgage Originator
NMLS #812331

Equal Housing Lender.

This is not a commitment to lend. All loans are subject to credit approval, underwriting guidelines, property approval, and program eligibility. Terms, conditions, and program availability are subject to change without notice. Additional restrictions may apply.