Self-employed? Prepare a clearer home-financing conversation.

Start with your goal

Are you buying a home, refinancing an existing mortgage or exploring equity? Bring a target purchase price or estimated property value, the loan amount you have in mind and your timing.

Your business story matters too: what you sell, how you are paid, your ownership and any recent changes. A short explanation gives Luke a better starting point than an unexplained annual-income number.

Explore the documentation that fits

Through Reside, Luke can discuss traditional financing and non-QM options involving bank statements, a P&L or asset utilization/depletion. The appropriate path depends on the whole scenario and the program’s requirements.

Do not assume that a P&L alone is sufficient or that a bank-statement option eliminates all other documents. Ask what will be needed before spending time assembling a full package.

Prepare without overloading the first inquiry

Share the outline first. The public income-review form accepts estimates and an optional note; financial statements belong in the appropriate application workflow when requested.

• Your business activity, ownership and operating history
• The income documentation you can discuss
• Your home-financing goal and property state
• Any contract deadline or significant change in your business