Do you run your own business? Are you your own boss? You've probably heard by now it's not easy for people like you to find the best mortgage rate or even qualify for refinancing. But don't go running back to the nearest cubicle just yet! You don't need to give up self-employment just to get a home loan. Believe it or not [url=http://www.teamraidersjerseys.com/howie-long-jersey/]Raiders Howie Long Jersey[/url] , there is such a thing as a mortgage for self employed borrowers!

Mortgage Options

Banks usually shy away from giving mortgage for self employed borrowers. You can blame the subprime loan crisis for this. But just because banks won't does not mean others won't either. You can qualify for all or at least one mortgage for self employed borrowers from lenders.

1. Stated Income Stated Asset Mortgage. Also referred to as the SISA, this mortgage relies heavily on what you declare as your income. This is called a low-documentation loan for a good reason: your lender will not check on what you claim to make, but will verify your declared sources of income. So, be ready to show your cash flow sources [url=http://www.teamraidersjerseys.com/bo-jackson-jersey/]Raiders Bo Jackson Jersey[/url] , as well as a list of your most current clients. You may also be asked to submit an IRS Form - either 8821 or 4506.

2. No Documentation Loan. This is a risky loan for lenders because they will not be verifying the income information you provide. For this reason, expect higher interest rates if you go for a no documentation loan.

3. Full Documentation Loan. To qualify for this, you will need to prove your income so be ready to turn in extra paperwork! There are ways for you to improve your chances of getting approved for this type of loan, though. You can sign a joint mortgage with another borrower who is classified as a W-2 employee. Or [url=http://www.teamraidersjerseys.com/antonio-brown-jersey/]Raiders Antonio Brown Jersey[/url] , you can ask a parent to co-sign your loan.

Making Yourself an Appealing Candidate

So how do you go about getting a mortgage for self employed borrowers? There is no secret and there are no shortcuts. Simply make yourself an appealing candidate. Here are some tips that can help.

1. Get a High Credit Score! The higher your credit score, the more appealing you become as a borrower. And, should you qualify for the mortgage, you will have better chances of getting lower rates of interest.

2. Provide a Big Downpayment. The bigger your home equity [url=http://www.teamraidersjerseys.com/hunter-renfrow-jersey/]Raiders Hunter Renfrow Jersey[/url] , the more unlikely it becomes that you will simply set the house to the side, in times of financial troubles. For this reason, lenders will think you're less of a risk.

3. Establish a Self-Employment Record. Show to lenders you have been winning the self-employment game, and they're less likely to see you as a credit risk. Prove [url=http://www.teamraidersjerseys.com/foster-moreau-jersey/]Raiders Foster Moreau Jersey[/url] , through paperwork, that you've been self employed for at least two years -- and that this has been a profitable arrangement for you.
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