See how your business income translates into mortgage options. Choose Refinance, HELOC, or Debt Consolidation and get instant results.
These numbers represent a non-binding estimate. Rates and terms subject to approval.
Being self-employed doesn't mean you can't get a great mortgage. Lenders look at your net business income — your gross revenue minus business expenses — to determine how much you qualify for. Understanding your options can help you make the most of your equity and save money.
Refinancing replaces your existing mortgage with a new one, letting you take advantage of lower rates, extend your amortization to reduce payments, or access equity for business investment or personal needs. Self-employed borrowers can refinance up to 80% of their home's value.
A HELOC gives you a revolving credit line secured by your home equity. It's a flexible option for self-employed individuals who may have variable cash flow — you only pay interest on what you borrow, and you can draw and repay as needed.
If you're carrying high-interest business or personal debt, consolidating it into your mortgage can dramatically reduce your monthly payments. By rolling credit card balances, lines of credit, or business loans into a mortgage at a much lower rate, you simplify your payments and keep more money in your pocket.
Our specialists work with lenders who understand self-employed income. Get expert guidance tailored to your situation — no obligation, no credit check required.
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