Mortgage financing solutions for the self-employed.

If you own your own business, we have specialized mortgage products and lender access to help you secure mortgage financing.

Many small business owners have a hard time proving their income when applying for mortgage financing.

A lot of banks consider self-employed individuals a higher risk because their income isn't easily verified. And while there is heightened scrutiny on mortgage applications for small business owners, we're happy to let you know that there are indeed many options still available to you regardless of the type of income you make.

When you apply for a mortgage as a self-employed individual, you will be asked for different types of income variation to support your application than a regular salaried employee would be asked for. This is one of the main differences in the application process.

The key to securing mortgage financing as a self-employed individual is to plan ahead. Just like you make business plans and have a strategy to grow your business, you need a mortgage plan to ensure you get the best terms when buying a property, refinancing, or renewing an existing mortgage.

We specialize in providing business owners with mortgage options. As business owners ourselves, we understand first hand what it takes to qualify for mortgage financing. We're in the same boat together. We'd love to work with you.

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Mortgage financing in 3 easy steps

STEP ONE

Get started right away.

The best place to start is to connect with us directly. The mortgage process is personal. Our commitment is to listen to all your needs, assess your financial situation, and provide you with a clear plan forward.

STEP TWO

Get a clear plan.

Sorting through all the different mortgage lenders, rates, terms, and features can be overwhelming, especially if you're self-employed. Let's put together a plan to get you the best mortgage available.

STEP THREE

We handle the details.

When it comes time to arranging your mortgage, trust that our team will make it happen. We specialize in helping business owners secure mortgage financing. We've got you covered.

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"I had a great experience working with Indi."

"Indi makes it a priority to ensure their clients are educated throughout the whole mortgage process – they were patient and helped me understand everything I needed to know and answered my questions."

Patricia Kopec

Indi homeowner since July 2016.

300+ Google reviews from Indi clients

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Make some calculations

If you'd like to run a few calculations before getting started, we'd love to help you? First tell us where you are in your journey to buying a home

I'm just getting started

Exciting times! Let's find out how much you'll be able to afford once you decide to buy.

CALCULATE

I have a home in mind

Great! Let's find out whether you'll be able to afford to buy it!

CALCULATE

I want to refinance my home.

No problem! Let's find out how much you could take out.

CALCULATE

Don't let self-employment keep you from getting a great mortgage.

Let us outline your options and all the documentation required to secure the best mortgage for you.

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Resources to help business owners with mortgage financing

Alternative Lending Provides You With Options

If you’re a business owner, you most likely have write-offs that make sense for tax planning reasons but don’t do much for your verifiable income. Learn more about how alternative lenders can offer competitive mortgage products for you.

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An Overview of the Home Buying Process

If you’re planning to buy either your first home or your next home, let’s assess your creditworthiness, take a look at your income, plan for a down payment, and nail down exactly how much you can afford to borrow.

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GDS/TDS Ratios Explained

One of the major qualifiers lenders look at when considering your application for mortgage financing is your debt service ratios. Learn more about how your gross debt service ratios (GDS) and total debt service ratios (TDS) impact your mortgage qualification.

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Fixed-Rate or Variable-Rate Mortgage

If you’re weighing the options between a fixed and variable rate mortgage, consider the penalty incurred should you need to break the mortgage. Learn more here.

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Learn more about how credit impacts a home purchase

Credit and Mortgage Financing

Credit is the ability of a customer to obtain goods or services before payment, based on the trust that you will make payments in the future. When you borrow money to buy a property, you’ll be required to prove that you have a good history of managing your credit.

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How to Handle Missed Payments

If you’ve missed a payment on your credit card or line of credit and you’re wondering how to handle things and if this will impact your creditworthiness down the road, here’s the plan for you to follow.

Learn More