Movement Mortgage is here to expertly advise clients on how to navigate their home-selling or purchasing journey, regardless of their unique financial situations. Being self-employed shouldn’t be a barrier to owning a home, so Movement Mortgage offers programs to help support homeowners of all types.
Oftentimes, a self-employed borrower may look “high risk” on paper, but in real life, they have a strong, consistent cash flow. The solution is to qualify based on cash flow. Instead of relying strictly on tax returns, there are programs designed to evaluate what matters, such as income and bank statement programs that allow lenders to analyze deposits over time and apply reasonable expense ratios based on the borrower’s business model.
These programs are not a fallback; they are a strategic solution.
Key advantages:
- Up to 90 percent loan to value with no mortgage insurance
- Credit scores starting as low as 620, depending on structure
- No tax transcripts required
- Ability to combine multiple income streams, wage income, rental income, and asset depletion
- Expense ratios starting as low as 15 percent
- Multiple in-house investors, allowing for competitive pricing
Who This Works For
This is not a niche borrower. This is a large segment of today’s market, including:
- Business owners who maximize write offs
- Schedule C borrowers who appear to have low income
- Clients with strong deposits but inconsistent reported earnings
- Entrepreneurs scaling their income year over year
These are qualified buyers. They just need the right structure.
The Bottom Line
If a self employed borrower is getting denied, it doesn’t always mean they don’t qualify. It usually means they’re being evaluated the wrong way. Strong borrowers are getting overlooked every day because their financial story doesn’t fit a traditional box. That’s not a borrower problem; that’s a loan structure problem.
Interested in buying a home? Reach out to Movement Mortgage to discuss your goals.
