Being self-employed offers freedom and flexibility—but when it comes to securing a mortgage, it can also come with unique challenges. Many traditional lenders require strict income verification that doesn’t always reflect the real financial health of self-employed individuals. At Hoam Loans, we specialize in helping self-employed clients, freelancers, business owners, and contractors find mortgage solutions that make sense for their unique situations.
When you’re self-employed, your income may not be as straightforward as a salaried employee’s. You may write off expenses, have seasonal earnings, or draw income from multiple sources. Unfortunately, some banks view this as risky or complicated.
At Hoam Loans, we understand the complexities of self-employment and work with lenders who offer flexible qualification criteria that go beyond traditional income statements. Whether you’ve been in business for years or recently started, we can help you find a mortgage that fits.
We work with lenders who accept alternative documentation, including:
We help you present your income in a way that reflects your true borrowing power.
If you own multiple businesses, have fluctuating income, or a complex credit history, we can help structure a mortgage solution that fits your financial landscape. We understand that no two self-employed clients are alike and offer personalized strategies to match your needs.
Not all lenders offer self-employed mortgage products. We have access to a wide range of lenders—including major banks, credit unions, and alternative lenders—who specialize in working with self-employed borrowers. This ensures you’ll have more options and better chances of approval.
Whether you’re buying your first home, upgrading, refinancing, or tapping into your home equity to grow your business, we can help you secure the right financing. We also assist self-employed clients with mortgage renewals and investment property purchases.
The self-employed mortgage process doesn’t have to be stressful. We take the time to walk you through your options, explain requirements clearly, and ensure you feel confident from application to closing.
At Hoam Loans, we believe self-employed Canadians should have the same access to homeownership as everyone else. We’ll help you cut through the red tape and find a solution that truly works for your situation.
Contact Hoam Loans today to explore your self-employed mortgage options. We’re here to make it simple.
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