You’re a builder, a creator, a risk-taker. You’ve poured your heart and soul into building a business from the ground up, and the freedom and flexibility are priceless. But when it comes to big financial steps like buying a home, that W-2 world can suddenly feel like a locked door. Lenders want neat boxes and predictable pay stubs, but your income tells a different, more dynamic story. The good news? That story can absolutely get you the keys to your dream home here in Raleigh. You just need a different strategy—and a broker who speaks your language.

The Entrepreneur’s Home Buying Challenge

Acknowledge the unique hurdles self-employed individuals face with traditional mortgage applications. Frame it as a solvable problem.

Beyond the W-2: What Documents Do You Need?

List the key documents: tax returns (2 years), P&L statements, and bank statements. Explain *why* lenders ask for these.

The DTI Dilemma: How to Calculate Your Income

Explain how lenders average income over 24 months and how write-offs can impact the calculation. This is a crucial, educational section.

Loan Solutions for the Self-Employed

Briefly mention options like bank statement loans as alternatives if traditional income verification is tough. Position Michael as the expert who has these tools.

Pro Tips for a Smoother Approval

Offer actionable advice: keep business and personal accounts separate, work with a good accountant, and talk to a mortgage broker early.

Your Business is Your Strength

End on a positive note, empowering business owners to see their financial picture as something that can be successfully presented to a lender with the right help.