Self-employed Mortgage Agents in Kitchener–Waterloo & Guelph
Kitchener-Waterloo and Guelph combine a large tech and university employment base with housing that's typically more affordable than the neighbouring GTA, drawing both first-time buyers and GTA transplants.
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Choosing a self-employed mortgage agent in Kitchener–Waterloo & Guelph
Ask how many self-employed clients they've closed in the past year and whether they have access to lenders offering "stated income" or "bank statement" programs, since not every lender on a broker's panel supports this.
Self-employed mortgage agents in Kitchener–Waterloo & Guelph — common questions
Some lenders allow income to be "grossed up" or use add-back calculations for self-employed borrowers, but this varies significantly by lender — an experienced agent will know which ones.
Most traditional lenders want 2 years of filed tax returns, but some alternative lenders will work with less, especially if you have a larger down payment.
Yes — a larger down payment reduces lender risk and can open up more loan programs, sometimes offsetting a lower reported income.