Self-Employed Borrower Programs:

1. 1099 Program: As a 1099 contractor, your income can fluctuate, making it difficult to qualify for a traditional mortgage. Our 1099 Program allows us to assess your income based on the total of your 1099 forms, simplifying the process and allowing you to get approved even if you don’t receive a traditional W-2.
2. Profit & Loss (P&L) Only: With our P&L Only program, we take a close look at your business’s profitability instead of focusing on tax returns. If your business is doing well, you’ll have the chance to qualify for a mortgage based on your income as reported in your P&L statements, offering a more accurate picture of your financial situation.
3. Asset Depletion: If you have substantial assets but limited income, our Asset Depletion program could be the right fit for you. We can use your savings, retirement accounts, and investments to supplement your income and qualify you for a loan. This option is ideal for those who have a significant nest egg but may not have regular, ongoing cash flow.
4. Bank Statement Program: For self-employed individuals who have consistent income flowing through their business or personal bank accounts, our Bank Statement Program provides an easy way to qualify for a mortgage. Instead of traditional income verification, we’ll review your bank statements for deposits and cash flow over a specified period, making it easier to prove your financial stability.

Why Choose Van Patten Mortgage Group?

• Experience You Can Trust: With over 35 years in the mortgage industry, we have the expertise to navigate complex self-employed borrower situations.
• Family-Owned, Client-Focused: As a family-owned company, we take pride in treating our clients like family, providing personalized service and attention.
• Flexible Solutions: We work with you to find the right mortgage solution tailored to your unique needs.
• Fast, Easy Process: We understand your time is valuable. Our streamlined application process makes securing a mortgage as easy and stress-free as possible.

Get Started Today!

Are you ready to explore your mortgage options? Contact Van Patten Mortgage Group today to learn more about our Self-Employed Borrower Programs and see how we can help you achieve your homeownership goals. Let us show you the way to financial success!