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Dave Ratti
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  • Home
  • About Us
    • Reviews
    • Our Team
  • Loan Programs
    • All
    • Envoy Invest
    • Fix-and-Flip
    • Equity Bridge
    • Envoy FLEX
    • Envoy EXPAND
    • Cash Edge
    • EVO - Evolution Loan
    • 1st Time Home Buyers
    • Home Improvement Loans
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    • Veteran Loan Programs
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The Door Has Just Been Opened!

Get Pre-Approved Now

Are you self-employed?

New Home Loan Programs for Self-Employed Borrowers

Self-employed individuals have always faced certain challenges when it comes to qualifying for home loans. Unlike a W2 employee, self-employed individuals do not have the same documentation such as W2s, to provide proof of income. Lending requirements, for self-employed borrowers, have been in place for many years and have made it challenging for many self-employed to obtain financing to buy or refinance their homes.


While it varies slightly from lender to lender, there are some foundational requirements most lenders follow in qualifying the self-employed. These challenges have frustrated the self-employed for years but recently, a few lenders have innovated home loan programs that satisfy both regulatory oversight and the needs of the self-employed. This opens up home loan opportunities for thousands of home buyers and home owners that are self-employed. 


The Ratti Lending Team at Envoy Mortgage has home loan programs for the self-employed.  David Ratti notes, “The major feature of this program is that the lender verifies income using 12 or 24 months of bank statements (either business or personal bank accounts) to determine qualifying income rather than tax returns. For the first time in years, many self-employed borrowers may now be able to qualify for a home loan.”


Since these loan programs are always changing with market conditions, it's important to talk with a loan officer to determine the best program for your situation.  Here are some of the benefits that may be available under Self-Employed Home Loan Programs: 


  • No Tax Returns
  • 10% Down
  • Self-Employed at least 2 years
  • For Purchasing or Refinancing


We know that owning your own business and being self-employed can be challenging when it's time to purchase a home.  Many lenders do not have the expertise or access to these special loan programs for self-employed borrowers.  That's why it's important to seek out experienced loan officers and lenders that have the expertise to properly guide you towards the right program for their unique situation. 


For more information on self-employed home loan programs contact The Ratti Lending Team  today!


Copyright© 2018


Home Loan for Self-Employed Borrowers

Self-Employed Borrowers - Get Started Now!

Reach Out to Learn More or Get Pre-Qualified!

David Ratti

 NMLS #532652  

Call:  410.707.5825

Email

Apply Now

David Ratti,  410-707-5825, NMLS #532652

Licensed in 7 states:  MD, FL, PA, NJ, DC, DE, PA

 9711 Washington Blvd, Suite 563 Gaithersburg MD 20878  |  4006 S MacDill Ave Ste C, Tampa, FL 33611 

  © 2018-2023 Ratti Lending Team 

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 Envoy Mortgage is an Equal Housing Lender 

 Corporate Office: 10496 Katy Freeway, Suite 250 | Houston, Texas 77043 | Phone: 1 (713) 977-8005

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