HOME LENDING FOR SELF-EMPLOYED PEOPLE
“I help self-employed people get mortgages all the time. It’s one of my specialties.
I frequently hear from people with unique income situations—like freelancers, business owners, sub-contractors and commission-based earners—how hard it is to get a mortgage. That’s not my experience. Lenders want to lend money. We just have to make it easy for them to do so.
With careful planning and preparation, I believe anyone can qualify for the home loan they deserve. Quite simply, if people make good money, there shouldn’t be tough hurdles getting a good mortgage.”
Steve Carter | Jacksonville’s Mortgage Expert
Steve was aggressive and knew what he was doing, if you have a unique situation and someone told you that they couldn’t finance you in the past I would highly recommend Steve Carter’s office. They were able to do what no one else could!Sarah Grugen
YOU’VE WORKED HARD TO AFFORD A MORTGAGE.
NOW IT’S OUR JOB TO MAKE SURE YOU GET IT.
When you call and tell us what you want to accomplish, you’ve just delegated your home financing ambitions to a well-seasoned and creative mortgage team.
Our first step will be to see where you stand today and what’s needed to move forward. We’ll put together a game plan that will help all of us move as quickly as possible to achieve your financing goals.
What We’ll Look at Together
We’ll verify sources for your down payment, closing costs and reserves. Plus we could explore flexible options based on a unique asset situation.
DEBT TO INCOME
We’ll explore your debt-to-income level and, potentially, we could look at solutions not requiring a debt-to-income audit, employment or income documentation.
We’ll take a look at your income, which could include business & personal deposit accounts, business records and cash flow. Have a unique income situation? We could consider lending solutions with flexible guidelines, for example:
12-months of deposits documented in account statements.
No requirement for IRS tax return (form 4506t) verification.
We Can Help You Get that Mortgage
WE'RE A LOCAL
We’re not a broker. We offer home loan options—many not available at other banks—at competitive rates. We control your application entirely in-house and can move it quickly to closing while personally managing any bumps encountered along the way.
We know the lending process and can head off most challenges before they become showstoppers. Plus we can make sure you’re a preapproved homebuyer fully armed with tips on getting a home price that may save you thousands of dollars.
WE'RE NOT A CALL CENTER OR AN APP
You have our personal attention from your first call. We listen to learn what you want, when you want it and how. That’s how we find the right lending solution that may give you a Financial Advantage Today and Tomorrow.
we can help you purchase, refinance or Cash out
Primary Residence | Second Home | Investment Property | Condo Construction
types of MORTGAGES
WE CAN HELP YOU OBTAIN
VA | FHA | USDA | Conventional | Non-Conventional
Let’s Start Your Home Loan Today!