Self-employment does not by itself select a mortgage program. The central questions are how income can be documented, how stable it is, what debts exist and how the property will be used. A conventional review and an alternative-documentation review may evaluate the same business differently.
Begin with a simple description of the business, ownership percentage, time in business and how you pay yourself. Keep business transfers separate from actual revenue when organizing the records.
Prepare the business and household picture
Gather the documents a lender requests through its secure process. Your preparation list may include personal and business tax returns, statements, current profit-and-loss information and explanations of significant changes. The exact list comes from the lender.
Do not upload tax returns or account numbers to the scenario form on this site. Use the form to describe your situation and ask which secure application and document process is appropriate.
Compare bank statements with traditional documentation
Matt’s published programs include bank statement financing for self-employed borrowers. That identifies a category to discuss; it does not mean every deposit is treated as income or that the program is automatically better.
Ask which statements are needed, how transfers and unusual deposits are handled, what expense analysis applies and how the resulting terms compare with a fully documented option.
Turn the discussion into a property budget
Enter the planned price, down payment and payment assumptions below. Decide how much cash the business and household need to retain after closing. A mortgage payment that appears manageable in a strong month may feel different during a slower season. Share that constraint with Matt along with the property use and purchase timeline.
The interest rate is a planning input, not a current offer. Enter actual taxes, insurance, HOA and mortgage insurance when available. Results update as you type.
Enter the property price and your financing assumptions to see an estimate. Add only costs you know; confirm zero where it applies.
START WITH YOUR SITUATION
Which Financing Paths Are Worth Exploring?
Tell us who the home is for and what you’re planning. See useful next steps before sharing contact information.
Keep this BU scenario with a lender eligible for MA.
Your campus, property and planning numbers remain attached. Matt Dean’s published professional information currently lists Arizona and Texas. CollegeHousing.ai does not present him here as the mortgage originator for a MA property.
Continue using the planning tools, then confirm the individual originator’s current state eligibility and exact loan program before application.
Educational estimates only. No loan approval, rate quote, or commitment to lend. Rates, terms, down payment, documentation, reserves, occupancy and property eligibility vary by borrower, lender, state and program. Rental income, appreciation and investment returns are not guaranteed.
Matt Dean · NMLS #227603 · NEXA Lending · Company NMLS #1660690. Check licensing at NMLS Consumer Access. Professional site lists Arizona and Texas. State-specific availability must be confirmed before application.
