SELF-EMPLOYED HOME BUYERS

Making Good Money But It Doesn’t Show on Paper?

Your tax returns tell one story. Your real income tells another. We help you qualify based on what you actually earn.

If write-offs are lowering your reported income, a traditional loan may not reflect your true buying power. In one conversation, you’ll know what options you have and what you can actually qualify for.

Send Us a Message See What You Qualify For

No pressure. Just answers.

6,000+ Clients Served | 25 Years | A+ BBB Since 2007

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Clients Served
Top 1%

Mortgage Team

A+ BBB

Rating Since 2007

CHALLENGES

This Is Where Most Self-Employed Buyers Get Stuck

If any of these sound familiar, you’re not the only one.

You make good money, but your tax returns don’t reflect it

A lender looked at your numbers and said it doesn’t work

You’re not sure how your income is supposed to be calculated

You’re a business owner, freelancer, or 1099 earner and the process hasn’t fit

You’ve been self-employed less than two years and assume you don’t qualify

THE BARRIER

Most Lenders Stop at Your Tax Returns

If your tax returns show low income, most lenders stop there.

That’s why so many self-employed buyers get told “no” without a real explanation.

But your tax returns don’t always reflect what you actually earn.

There are other ways to look at your income, depending on your situation. The problem is most lenders don’t go that far. We do.

We look at your full picture and help you understand what’s actually possible before you assume the answer is no.

We regularly help self-employed buyers move forward after being turned down elsewhere.

ROADMAP TO CLARITY

See What’s Actually Possible

In one quick 15-minute conversation, here’s what you will walk away with:

1

How You Can Qualify

We’ll show you which approach fits your real income — not just what shows on paper.

2

What Income We Can Use

You’ll understand how your income is viewed and what that means for your buying power.

3

What You’ll Need

Clear, simple guidance on what documents matter and what doesn’t.

4

Your Options

Multiple ways to structure your loan, explained in plain, simple English.

5

Your Next Step

You’ll know exactly what to do next, with no guesswork.

SPECIFIC PROGRAMS

The Programs, In Plain English

Bank Statement Loans

Your tax returns look low because of write-offs, but your deposits tell a different story? A bank statement loan: qualifies you using 12–24 months of real business or personal deposits instead of net taxable income.

CPA Profit & Loss Only

Secure financing utilizing a certified Profit and Loss statement prepared and signed by your CPA.

1099 Income Program

You’re a contractor or freelancer and Schedule C math keeps getting in the way? A 1099 Income Program: qualifies you from your 1099 earnings so independent income can still support a mortgage.

SIDE-BY-SIDE MATCHUP

Same Income. Completely Different Outcome.

How Southern Mortgage Authority compares directly against consumer banking giants.

Core Metric / Characteristic
Typical Consumer Lender
With Southern Mortgage Authority

Income Analysis

✕  Looks at tax returns and stops there

✓  Your full income picture is considered

Qualifying Paths

✕  One option, one answer

✓  Multiple ways to qualify are explored

Response to hurdles

✕  “No” without showing another path

✓  Clear explanation of what works and why

Loan Structures

✕  You’re left unsure if anything else is possible

✓  Options shown side by side

Underwriting Speed

✕  Standard slow processing

✓  Fully pre-underwritten before you shop

VERIFIED FEEDBACK

Self-Employed Buyers Who Found a Way Forward

6,000+ Clients Served | 25 Years Licensed | A+ BBB Rating Since 2007

“We had a tough credit situation but Susan’s team worked with us and lenders and got us the house we wanted. They were very resourceful.”

“

Michael

Homebuyer (Google review)

Self-Employed

“Shandy is extremely knowledgeable and helpful. He guided us through the process by providing us with a lot of valuable information, transparency and honesty.”

“

Amber

Homebuyer (Google review)

Self-Employed

“I had the pleasure of working with Shandy King and team and was blown away with the flexibility and professionalism!”

“

Steve

Homebuyer (Google review)

Self-Employed

LEARNING BASE

Common Questions for Self-Employed Buyers

Clear, straightforward answers about our loan processing policies.

Traditional loans average your net income from the last two years of tax returns.
If write-offs reduce that number, they reduce your qualifying income. We can walk through alternative options, such as bank statement structures, that look at your cash flow instead of net tax numbers.

It depends on your situation and industry.
Two years is the standard, but some programs have more flexibility, especially if you have previous experience in the same field. We’ll look at your full picture before drawing any conclusions.

Instead of tax returns, a bank statement loan looks at your actual business deposits over 12 to 24 months to calculate qualifying income. It’s one of several options we explore for self-employed buyers.

It varies by loan type.
Tax returns, business bank statements, profit and loss statements, and business licenses are common. We’ll give you a specific list once we know which approach fits best.

In some programs, yes.
In others, it can be excluded if we can show that the business has paid the debt directly from business accounts for the past 12 months. We’ll show you how this factors into your specific situation.

Yes – and we recommend it.
Pre-underwriting catches tax and statement calculation issues early so you’re not scrambling after you’ve found a home.

Before You Assume You Don’t Qualify, Take a Second Look

If your income looks different on paper than it does in real life, you may have more options than you think. One conversation, and you’ll know exactly where you stand.

“We’re based in Marietta and work with buyers across metro Atlanta — and in the 13 states where we’re licensed.”

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