{"id":9219,"date":"2023-07-14T10:13:59","date_gmt":"2023-07-14T15:13:59","guid":{"rendered":"https:\/\/www.morty.com\/resources\/?p=9219"},"modified":"2023-07-31T19:55:37","modified_gmt":"2023-08-01T00:55:37","slug":"self-employed-homebuying-guide","status":"publish","type":"post","link":"https:\/\/www.morty.com\/resources\/money-matters\/self-employed-homebuying-guide","title":{"rendered":"Step-by-Step Guide to Financing for Self-Employed Buyers"},"content":{"rendered":"\n<div style=\"height:30px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<div style=\"color:#32373c\" class=\"wp-block-genesis-blocks-gb-drop-cap drop-cap-letter gb-font-size-3 gb-block-drop-cap\"><div class=\"gb-drop-cap-text\">\n<p id=\"htoc-when-it-comes-to-buying-a-home-self-employed-buyers-face-a-few-unique-challenges-lenders-are-more-cautious-when-it-comes-to-a-self-employed-buyer-s-income-which-is-considered-to-be-less-predictable-than-that-of-a-salaried-buyer-however-with-the-right-approach-and-tools-securing-home-financing-as-a-self-employed-buyer-is-entirely-possible-here-s-our-step-by-step-guide-to-help-you-navigate-the-process\">When it comes to buying a home, self-employed buyers face a few unique challenges. Lenders are more cautious when it comes to a self-employed buyer\u2019s income, which is considered to be less predictable than that of a salaried buyer. However, with the right approach and tools, securing home financing as a self-employed buyer is entirely possible. Here&#8217;s our step-by-step guide to help you navigate the process.<\/p>\n<\/div><\/div>\n\n\n\n<div class=\"wp-block-ht-block-toc is-style-rounded htoc htoc--position-wide toc-list-style-plain\" data-htoc-state=\"expanded\"><span class=\"htoc__title\"><span class=\"ht_toc_title\">In this article<\/span><span class=\"htoc__toggle\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"16\" height=\"16\"><g fill=\"#444\"><path d=\"M15 7H1c-.6 0-1 .4-1 1s.4 1 1 1h14c.6 0 1-.4 1-1s-.4-1-1-1z\"><\/path><path d=\"M15 1H1c-.6 0-1 .4-1 1s.4 1 1 1h14c.6 0 1-.4 1-1s-.4-1-1-1zM15 13H1c-.6 0-1 .4-1 1s.4 1 1 1h14c.6 0 1-.4 1-1s-.4-1-1-1z\"><\/path><\/g><\/svg><\/span><\/span><div class=\"htoc__itemswrap\"><ul class=\"ht_toc_list\"><li class=\"\"><a href=\"#htoc-step-1-understand-your-self-employed-status\">Step 1: Understand Your Self-Employed Status<\/a><\/li><li class=\"\"><a href=\"#htoc-step-2-organize-your-finances\">Step 2: Organize Your Finances<\/a><\/li><li class=\"\"><a href=\"#htoc-step-3-check-your-credit-score\">Step 3: Check Your Credit Score<\/a><\/li><li class=\"\"><a href=\"#htoc-step-4-save-up-a-larger-down-payment\">Step 4: Save Up a Larger Down Payment<\/a><\/li><li class=\"\"><a href=\"#htoc-step-5-explore-a-wide-range-of-loan-options\">Step 5: Explore a Wide Range of Loan Options<\/a><\/li><li class=\"\"><a href=\"#htoc-step-6-work-with-an-expert\">Step 6: Work with an Expert<\/a><\/li><li class=\"\"><a href=\"#htoc-step-7-explore-rates\">Step 7: Explore Rates<\/a><\/li><li class=\"\"><a href=\"#htoc-step-8-get-pre-approved\">Step 8: Get Pre-Approved<\/a><\/li><li class=\"\"><a href=\"#htoc-step-9-set-a-budget\">Step 9: Set a Budget<\/a><\/li><li class=\"\"><a href=\"#htoc-step-10-find-a-home\">Step 10: Find a home!<\/a><\/li><\/ul><\/div><\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"htoc-step-1-understand-your-self-employed-status\">Step 1: Understand Your Self-Employed Status<\/h2>\n\n\n\n<p>Lenders will typically view you as self-employed if you own more than 25% of a business or work as a freelancer, contractor, or sole proprietor. Getting a strong understanding of how lenders will perceive your employment status is an important first step to effectively preparing to obtain home financing. If you or your business work with an accountant, this could be a good place to start.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"htoc-step-2-organize-your-finances\">Step 2: Organize Your Finances<\/h2>\n\n\n\n<p>Lenders will need to confirm the stability of your income, so being well-organized and being prepared to show detailed <a href=\"https:\/\/www.morty.com\/resources\/uncategorized\/resource-roundup-financial-literacy-month\">financial records<\/a> will also be important. This could include profit and loss statements, balance sheets, and tax returns for your business over the last two years. The more consistency you can show with your income, the better your chances of approval.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"htoc-step-3-check-your-credit-score\">Step 3: Check Your Credit Score<\/h2>\n\n\n\n<p>Across the board, having a higher credit score will help a buyer secure stronger mortgage terms. This is especially true for self-employed borrowers. Look into paying off outstanding debts, avoid other borrowing activity, and make sure your bills are paid on time.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"htoc-step-4-save-up-a-larger-down-payment\">Step 4: Save Up a Larger Down Payment<\/h2>\n\n\n\n<p>The more you can put down upfront, the less risk you pose to a lender. Saving for a larger down payment will not only increase your chances of approval but also help you secure a lower interest rate.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"htoc-step-5-explore-a-wide-range-of-loan-options\">Step 5: Explore a Wide Range of Loan Options<\/h2>\n\n\n\n<p>Explore the different <a href=\"https:\/\/www.morty.com\/resources\/mortgage-101\/what-are-the-most-common-mortgage-loan-types\">loan options<\/a> available for self-employed individuals, which could include FHA loans (which have less stringent requirements) or non-agency programs designed for those with less-traditional income streams.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"htoc-step-6-work-with-an-expert\">Step 6: Work with an Expert<\/h2>\n\n\n\n<p>Consider working with a mortgage expert who understands your situation and can guide you through the intricacies of the process. Having strong partners here will help limit any issues and increase your chance of success.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"htoc-step-7-explore-rates\">Step 7: Explore Rates<\/h2>\n\n\n\n<p>When you\u2019re ready to enter the market, use a <a href=\"https:\/\/www.morty.com\/mortgage-rates\">Rates Table Tool<\/a> to evaluate different rate and loan option scenarios, determine your affordability and get a sense of costs. Don\u2019t forget to lean on your mortgage expert for help and advice, but also leverage the many great online tools that are available.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"htoc-step-8-get-pre-approved\">Step 8: Get Pre-Approved<\/h2>\n\n\n\n<p>Getting <a href=\"https:\/\/www.morty.com\/resources\/mortgage-101\/how-to-get-preapproved-for-a-mortgage\">pre-approved<\/a> for a mortgage is the first step towards getting a sense of what you can afford and signals to sellers that you&#8217;re a serious buyer. Keep in mind that getting <a href=\"https:\/\/www.morty.com\/resources\/money-matters\/how-long-does-a-mortgage-preapproval-last\">pre-approved<\/a> requires a credit pull, so it\u2019s best to wait to get pre-approved when you\u2019re ready to enter the market.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"htoc-step-9-set-a-budget\">Step 9: Set a Budget<\/h2>\n\n\n\n<p>While a pre-approval is a strong indicator of what you can qualify for when it comes to home financing, you also want to make sure you\u2019re factoring in closing costs, property taxes, insurance, and other costs that may be associated with buying and owning a home. Don\u2019t forget about moving and any <a href=\"https:\/\/www.morty.com\/resources\/home-improvement\/your-first-month-as-a-homeowner\">renovations<\/a> you want to complete before moving in. These will all contribute to your monthly payment.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"htoc-step-10-find-a-home\">Step 10: Find a home!<\/h2>\n\n\n\n<p>Once you\u2019re pre-approved and have a set budget, you\u2019re ready to step into the market with confidence. With the right preparation, tools, and partners, buying a home as a self-employed borrower should be possible.<\/p>\n\n\n\n<figure class=\"wp-block-image size-full\"><a href=\"https:\/\/www.getbellhops.com\/?utm_source=morty&amp;utm_medium=affiliate&amp;utm_content=paid:partnerships:affiliate:na:na:na:na&amp;pc=morty10&amp;utm_campaign=na\"><img loading=\"lazy\" decoding=\"async\" width=\"1920\" height=\"722\" src=\"https:\/\/www.morty.com\/resources\/wp-content\/uploads\/2023\/07\/bellhop.webp\" alt=\"bellhop movers banner\" class=\"wp-image-9226\"\/><\/a><\/figure>\n","protected":false},"excerpt":{"rendered":"<p>A comprehensive guide on how self-employed individuals can secure home financing. Get practical tips to make your dream home a reality.<\/p>\n","protected":false},"author":30,"featured_media":9220,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"content-type":"","_lmt_disableupdate":"yes","_lmt_disable":"","_kad_blocks_custom_css":"","_kad_blocks_head_custom_js":"","_kad_blocks_body_custom_js":"","_kad_blocks_footer_custom_js":"","_kad_post_transparent":"","_kad_post_title":"","_kad_post_layout":"","_kad_post_sidebar_id":"","_kad_post_content_style":"","_kad_post_vertical_padding":"","_kad_post_feature":"","_kad_post_feature_position":"","_kad_post_header":false,"_kad_post_footer":false,"footnotes":""},"categories":[623,28],"tags":[74,43,136,621,619,57,38,617],"series":[],"class_list":["post-9219","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-homebuyer-guides","category-money-matters","tag-credit-score","tag-down-payment","tag-housing-budget","tag-loan-options","tag-personal-finance","tag-pre-approval","tag-saving","tag-self-employed"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v25.3.1 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Self-Employed Homebuyers Guide<\/title>\n<meta name=\"description\" content=\"A comprehensive guide on how self-employed individuals can secure home financing. 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