My income is more complicated than a paycheck.
A business can be doing well while its owner’s tax return tells a more complicated story. Start with how your income is documented and how a lender may evaluate it—not a guess based on business revenue.
What we’ll work through.
- How long have you earned this type of income, and has it changed?
- What documentation is available for the business and your personal income?
- Are you buying a home to live in or financing an investment property?
Useful for our first conversation
- A general description of your work and income sources.
- How long the business has operated and whether income is increasing or declining.
- An estimate of the home price, down payment and cash you want to retain.
No documents, Social Security numbers or account details in the website inquiry. Aaron will confirm any secure follow-up requirements.
Questions you may have
Do I need to choose a bank-statement loan first?
No. Start with your goals and available documentation. Aaron can compare standard and alternative paths without assuming which one fits.
Should I upload tax returns with this inquiry?
No. Start with the basic inquiry. Aaron will confirm which documents are needed and how to share them using an approved secure channel.
Reference: CFPB: gathering mortgage paperwork ↗
Aaron Clowes
Air Force veteran. More than two decades in mortgage lending. Clear explanations, practical comparisons and a conversation about what works for you.
NMLS #200900 · CA DRE #02103379
New Way Mortgage is powered by Xpert Home Lending, Inc. · NMLS #2179191 · Equal Housing Lender.
Reviews are hosted by Zillow. Visit the source for review dates and details; past experiences do not guarantee your outcome.
What happens after you reach out?
- Aaron reviews your goals and the information you share.
- You confirm details and compare available paths, costs and tradeoffs.
- You decide whether to apply through the secure Xpert application.
No approval, rate or response-time guarantee. An inquiry does not authorize a credit pull.