Being self-employed doesn’t mean homeownership is out of reach. While the process might look slightly different from someone with a traditional W-2 income, self-employed individuals can absolutely secure a loan for their dream home in Kitsap County, WA. Here’s what you need to know to start the process and make your homeownership dreams a reality.

Where to Begin

The first step to buying a home as a self-employed individual is preparation. Lenders want to see stability and a clear picture of your finances. Follow these steps to get started:


Organize Your Financial Documents: Gather at least two years of personal and business tax returns, profit and loss statements, and bank statements.



Check Your Credit Score: A good credit score improves your chances of loan approval and better interest rates.



Estimate Your Budget: Use online mortgage calculators or speak with a lender to determine how much home you can afford.



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