SELF-EMPLOYED BORROWERS IN OXNARD

Buying a home should be a simple and straightforward process, regardless of whether you are a traditional employee or not. If a big-box lender says, “We need you to show us your W-2,” that can be a major roadblock for many borrowers. When you apply for a bank statement loan with Financial Home Associates, you never have to provide a W-2.

We Don’t Ask You for a W-2

If you were a traditional employee, your employer would file a W-2 form that displays your wages with the IRS.

Naturally, this form simply does not exist for you if you are self-employed.

So, it can be extremely frustrating if someone tells you that you cannot move forward with buying a home without one.

We know you do not have a W-2, and that you do still earn income that qualifies you for a home loan.

That is why we instead, you can verify your income with bank statements when you work with us.

Whom Do We Work With?

We know there are a lot of different ways you might describe yourself if you are your own boss. No matter what label you use for your employment status, we can help you buy a home with one of our bank statement loans.

Self-employed borrowers
Freelancers
Entrepreneurs
Business owners
Investors

Self-Employed Home Loan Benefits

With a big-box lender that demands a W-2 form, you may be left feeling like you are a second class citizen just because of how you earn your income. You will feel respected and understood when you apply for a mortgage through Financial Home Associates.
Do you work a traditional job, but also earn extra money with a side hustle? You can show us your W-2 to verify your employment income, and your bank statements to verify the rest of your income.
You can speed through the application process with a bank statement loan. It is easy, streamlined, and efficient, letting you close rapidly.

Buy a Home Now Without a W-2

It is time to take the next steps toward buying a home, even if you do not have a W-2. We help self-employed borrowers in Oxnard, Ventura, Santa Barbara, Los Angeles, and throughout California. Ready to begin? Please give us a call today at (805) 402-5302 to schedule your mortgage consultation.

See What Our Clients Are Saying About Us!

Financial Home Associates

“I have worked with Craig Maltman for many, many years. Feels like both grew up in the business! He is still my leder of choice. He returns call promptly of all house of the day and often night (and that is rare with todays lenders) and pulls off the impossible to get that all important loan approval. Try him and he will be your lender of choice for ever”

Emma Morata

Craig was wonderful to work with. He is responsive and made the process as seamless as possible. Would definitely go to him again for future lending!

John Guerrero

Craig was extremely helpful and totally there every step of the way through the whole process. He was very transparent and completely honest with everything he did for me. He was very knowledgeable and fast. I would (and will) use Craig again for any and all future transactions!

Lendsay Loaf

Craig helped me refinance my home. He got me a great rate and shaved 14 years off my mortgage with a negligible increase in my payments. Working with him was so easy, he is a great communicator and has always been available for questions. I would recommend him wholeheartedly.

Nicholas Hebert

I have had the pleasure of working with Craig for 5 years now. When my previous broker decided to close his lending division, it came as a surprise to the entire team. However without hesitation, Craig offered to take our team under his wing so that we were able to continue operating seamlessly without missing a beat. He is an extremely knowledgeable broker and a great leader, constantly adding new lenders so his entire team of loan officers can continue to offer our clients the best product options on the market. He also asks all of us for feedback when making decisions that affect the group which not all business owners do. Craig is not only a pleasure to work with, but a truly great person as well!

Linda Freeny

I have worked with Craig Maltman for many, many years. Feels like we both grew up in the business! He is still my lender of choice. He returns calls promptly at all hours of the day and often night (and that is rare with todays lenders) and pulls off the impossible to get that all important loan approval.Try him once and he will be your lender of choice for ever.

Antoinette Bartsch-Newhouse

If you want your loan to close, this is the place! Craig has helped clients achieve homeownership dreams that they did not believe possible. If you want a hard working lender; who thinks out of the box, look no further.

Buy a Home or Refinance in Oxnard Now

If you are ready to apply now for a flexible home loan in Oxnard or elsewhere in California, Financial Home Associates is standing by. To get started now, please give us a call today at (805) 402-5302 to schedule your mortgage consultation.

CONTACT

Financial Home Associates 1000 Town Center Dr #525 Oxnard, CA 93036

Find us on Google

Phone: (805) 402-5302
NMLS #873846

Financial Home Associates is an Equal Housing Lender. As prohibited by federal law, we do not engage in business practices that discriminate on the basis of race, color, religion, national origin, sex, marital status, age, because all or part of your income may be derived from any public assistance program, or because you have, in good faith, exercised any right under the Consumer Credit Protection Act. Disclaimer: Programs subject to change without notice. All borrowers must qualify per program guidelines.