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April 2025 REACH YOUR GOALS Mortgage Planning for Self-Employed Borrowers Qualifying for a mortgage when you're self-employed doesn't have to be a pain. It all comes down to organization. Whether you're self-employed, commission-based, or a full-time or hourly employee, lenders are all looking for the same thing when you apply for a mortgage: a high likelihood you will be able to pay.  Unlike a W-2 employee, however, it takes a little more legwork to verify self-employed income. This is why you want to plan ahead and make sure all your ducks are in a row before you start the mortgage process. Self-employed mortgage requirements usually entail more document verification and sometimes a lengthier look at your employment history. Fortunately, with a little time on your side, there are plenty of things you can do to make sure your mortgage application looks as stellar as possible when the time comes. Understand That You Have Options One of the biggest misconceptions about self-employed borrowers and mortgage programs is that you must use two years of tax returns to determine qualifying income. This is true for some loan types, including conventional loans, FHA loans, or VA loans. But it's not the only path to homeownership for self-employed people. Read more... MORTGAGE IQ How To Keep Home Equity Accessible American homeowners, especially those who have been in their homes for several years, have amassed plenty of wealth in recent years. Their total home equity actually hit $35 trillion in October 2024, according to Federal data for that month. However, a newer study found that many of these homeowners would find it difficult to access this equity. A combination of rising debt levels, higher interest rates, and disruptions to jobs and incomes have made it difficult for homeowners to qualify for a home equity loan or line of credit (HELOC). This is mainly because one or more of these situations has resulted in lower credit scores. Also, many buyers who closed on their homes during the past three years missed out on the low rates triggered by the COVID pandemic. Almost one in five have a mortgage with an interest rate over 6%. If you have questions about any aspect of home ownership, including your home's current equity, feel free to contact me for a quick, informal chat.2 FINANCIAL NEWS Create Fiscal Stability from the Ground Up With rumors of a recession and recent stock market dips, it's tempting to let emotions take over when you're reviewing your savings. However, it's better to take a deep breath and a different view of your investment plans. For example, you can think of what makes a bricks-and-mortar home strong and apply these to your retirement strategies.  Think of your fiscal home's foundation as your retirement income. Build this with reliable sources, such as pensions, non-stock investments and Social Security.  Now it's time to put up the walls. These investments should protect you from occasional market volatility, while still providing growth and appreciation. Long-term certificates of deposit (CDs) are something to consider, as they grow without being impacted by rate changes and stock fluctuations.  It's time for a fiscal roof. While a foundation and walls provide stability, you still need to keep pace with inflation. Although most exposed to risk, your roof construction can be more volatile investments like stocks, bonds, mutual funds and ETFs. These have historically outperformed other investments. You can add these gradually, so you can ride out a market cycle without selling. Although our economy has had peaks and troughs for decades, a solid fiscal home will protect your investments and sanity.3 DID YOU KNOW?

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