Self-Employed? Here’s What You Need to Know About Getting a Mortgage! If you're a self-employed borrower, here’s what lenders will look at when you apply for a loan: ✅ 2 Years of Self-Employment – You typically need two years of tax returns to qualify for conventional, VA, FHA, or USDA loans. ✅ Tax Write-Offs Matter – Lenders will analyze your returns to determine your qualifying income. ✅ Alternative Loan Options – With Non-QM loans, we can use 12-24 months of business or personal bank statemen
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