US Lending Co.

Traditional financing isn’t the only path. Depending on your situation, alternative documentation loan programs may be worth exploring.

Self-employed borrowers can have different ways of documenting income depending on the loan program.

Options may include:
• Traditional income documentation
• Bank statement programs
• Other alternative documentation programs
• Investment-property financing options

The right starting point? Let us look at the whole picture before you rule yourself out.

Don’t let one number on a tax return make the decision for you. 🏡

No need to complicate the mortgage process.

Here are some smart moves that can help keep things on track. Save this post for when you're getting ready to buy!
You've gotten this far. Don't let one avoidable decision get in the way of your next chapter.

If you're unsure, call us first. We're here to help. 💛

https://www.uslendingcompany.com/

Running a business means making big decisions—but when buying a home is also in the plan, timing can matter. 🏡

A change that makes perfect sense for your business could also change how your finances look during the mortgage process.

New business structure? Major purchase? New debt? Changing how you pay yourself?

Before making a significant move, check in with your US Lending loan officer.

It doesn’t necessarily mean you shouldn’t make the change. It means you’ll understand how it could affect your financing before you make it.



A little planning now can help avoid surprises later.

Congrats to Greg Hermann- USLending Company Redding, CA Nmls #282820/1850 and his borrowers! Well done!

Congratulations to my buyers, Garrett and Amanda.

This is a nice forever home you can call home now to make new memories in. I am excited for you both and thankful for allowing me to be a part of your journey.

Are you thinking about making that home purchase you can call your own home too? Whether you are ready to get pre-approved for a home loan or not. If you just have questions or want to go over your options let me know.

You know what your business makes—but do you know how a mortgage lender may look at that income? 👀

For self-employed borrowers, the number you see coming into your business isn’t necessarily the same number that may be used to qualify for a home loan.

Your business structure, income documentation, expenses, deductions, and the type of loan you’re considering can all play a role.

For self-employed borrowers, qualifying income may depend on things like:

How your business is structured
Your documented income history
Business expenses and deductions
The loan program you’re using

That’s why it helps to review your numbers before you start house hunting.

That’s why talking with a loan officer early can be so helpful. We can look at the bigger picture, explain how your income may be evaluated, and explore the financing options that could fit your situation.

Self-employed doesn’t have to mean figuring it out yourself. 🏡
Call with all your questions!

Self-employed? A little organization can go a long way when you’re preparing for a mortgage. 📂🏡

Unlike a traditional W-2 borrower, documenting self-employed income can involve a few more moving pieces.

Have these ready or easy to access:

Personal + business tax returns, if applicable
Recent bank statements
Current business financials, when required
Documentation for your business and income
A clear record of any large or unusual deposits

The goal: Make it easier to understand the full picture of your income and identify the loan options that may fit.

Having your personal and business financials organized gives your loan officer a clearer picture from the beginning—and can help identify questions or documentation needs earlier in the process.

And don’t worry, you don’t have to know exactly what you’ll need before you call us. That’s our job. 😉

Thinking about buying? Start the conversation early, and we’ll help you figure out what makes sense for your situation.