Zillow Advice: Mortgage - Mortgage for self employed? http://www.zillow.com/advice-thread/Mortgage-for-self-employed/524215/ Zillow Advice | Zillow Real Estate Have you considered a stated ... http://www.zillow.com/advice-thread/Mortgage-for-self-employed/524215/ Have you considered a stated income loan? This type of loan may better fit your situation. Instead of requiring income verification through your last two years tax returns, it verifies your income through your last 12 months bank statements. Since your business has really expanded over the past year, this may be the best route for you to take in order to get the loan that fits your situation.&nbsp;The best thing for you to do is to speak with a lender such as myself to see if you can get started on financing a new home.&nbsp;If you have any further questions or if you would like a loan, feel free to contact me.<br/><br/>Good Luck! Mon, 13 Jan 2014 20:19:00 GMT http://www.zillow.com/advice-thread/Mortgage-for-self-employed/524215/ 2014-01-13T20:19:00Z I am with New Penn Financial ... http://www.zillow.com/advice-thread/Mortgage-for-self-employed/524215/ I am with New Penn Financial in TX will you go to the New Penn Office nearest to you as i do know that we have a product that will work for you.&nbsp;<br/><br/>Good Luck Mon, 13 Jan 2014 04:49:00 GMT http://www.zillow.com/advice-thread/Mortgage-for-self-employed/524215/ 2014-01-13T04:49:00Z It is important to have someone ... http://www.zillow.com/advice-thread/Mortgage-for-self-employed/524215/ It is important to have someone analyze not only your 2012 returns but what you plan on doing for 2013.&nbsp;&nbsp; Depending on how you filed, there may be some deductions that you can add back into the taxable income. Sun, 12 Jan 2014 20:54:00 GMT http://www.zillow.com/advice-thread/Mortgage-for-self-employed/524215/ 2014-01-12T20:54:00Z All lenders these days are ... http://www.zillow.com/advice-thread/Mortgage-for-self-employed/524215/ All lenders these days are required to use 24 mths of taxable income when self employed. &nbsp;There is absolutely no way around it unless you were to seek financing from a 3rd party (non bank) but they will charge a very hefty interest rate that would not be in your benefit. &nbsp;Hope this helps and feel free to reach out to me with any other questions. Sun, 12 Jan 2014 20:27:00 GMT http://www.zillow.com/advice-thread/Mortgage-for-self-employed/524215/ 2014-01-12T20:27:00Z