We are in the same boat. I am also self employed and went through the home buying process not too long ago. I work very closely with a preferred lender on my real estate team and would be happy to get you in touch with her for a complimentary analysis of your situation. In addition, you and I can discuss your home buying needs and I can get you set up with a home search in our MLS that will automatically feed you properties that meet your criteria AS SOON as they hit the market. This is the only way to get up to the minute AND correct information regarding available homes in this market and only Realtors have access to the MLS to set this up for you. I look forward to hearing from you and assisting you in any way possible.
Broker, CFS, AHS, CARS
The J. Davison Realty Group
Coldwell Banker Advantage
2128 High House Road
Cary, NC 27519
You would be eligible for as little as 3.5% down with FHA or 5% down with conventional financing. The only differnce would be we would have to review your personal and business tax returns (usually for the last 2 years).
If you would like to discuss your situation in more detail, my contact information is below.
Sr. Mortgage Banker
3420 Toringdon Way #210
Charlotte NC 28277
Options will vary but rates are still at historical lows!
If you would like some assistance in the YRAC fire district, please don't hesitate to give me a call or if you prefer, you can apply securely online!
You will get your best answer for your personal situation by sitting down with a good lender for consultation.
Fortunately, in the Cary area, we are blessed with many lenders who are experienced and knowledgeable regarding self-employment lending.