For highly specific answers to your question, call Phil Winfrey at Plaza Mortgage 913.652.4470 --
Plaza is local but partnered with Wells Fargo and owned by Home Services of America, a Warren Buffet company.
Being an owner of a small mortgage company, I understand what you are going through. Unfortunately, in today's market, stability is king. And one of the single biggest stability factors is in income. Other than perhaps a local bank, regular mortgage banks will want two full year's income history (tax returns). And keep one thing in mind. Unlike a regular W2 income employee, lenders will average your husband's NET income (that being after expenses). So while his gross may be quite high, if he takes a lot of write-offs, that is the income that will be considered.
If you have any other questions, please donâ€™t hesitate to call or visit our website shown below.
Forefront Real Estate
154 W. Foothill Blvd #A308
Upland, CA 91786