Self-Employed Mortgage Solutions Designed Around Real Income

Low taxable income doesn’t always reflect true earning power. We help structure mortgage approvals for business owners and incorporated professionals.

Common Challenges - Why Self-Employed Borrowers Get Declined

• High business write-offs

• Low taxable income

• Fluctuating annual income

• Corporate income complexity

• Difficulty qualifying with traditional banks

Our Solutions - How we help

  • Bank Statement Programs

  • Alternative Income Verification

  • Corporate Retained Earnings Review

  • Add-Back Strategies for Eligible Expenses

  • Alt-A & Alternative Lender Access

  • Flexible Qualification Programs

begin a conversation

Share the basics of the file. A response — including initial lender direction, document requirements, and realistic timing — within one business day.

For active offer files with tight closing windows, call the direct line below for same-day assessment.

DIRECT LINE · PRANAY SEHGAL

(647) 562-4044

psehgal@smcmortgages.com

Mon–Fri 9am–7pm · Sat 10am–4pm · Active files: anytime