If you’re self-employed and applying for a mortgage, you’ll face more obstacles than someone who earns a regular salary through an employer. But, if you can prove your income, show you’re up to date on your taxes and you have solid credit, your chances of being approved for a mortgage are greatly improved. The trouble is, it’s in your best interest to minimize your reported income so you pay less tax when you’re self-employed. Unfortunately, this can be detrimental when it comes time to apply for a mortgage as income plays a key role. I have access to specialized self-employed mortgage programs to help in cases where you can’t prove your income in a traditional sense, but you’ve established a track record of responsibly managing credit and finances. Let’s discuss your options.