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Mortgage options for people who work for themselves. We help business owners, freelancers, and contractors document income clearly and get approved without the usual roadblocks.
At Kama‘aina Mortgage Group, we specialize in self-employed mortgages. We take the time to understand your business income by reviewing your bank statements, deposits, and real cash flow. We care to provide you faster approvals and mortgage programs built for business owners.
Getting a mortgage when you’re self-employed shouldn’t be harder — it just takes the right approach. We know how to present your income, deductions, and business history so lenders see the whole picture. From your first call to closing, we keep the process clear and predictable.
We prepare your file the way underwriters expect to see it, so you can move faster and avoid unnecessary delays.
We’ve helped hundreds of self-employed clients across Hawai‘i get financing approved the first time, with fewer delays and clearer communication from start to finish.
We work with lenders who offer programs built to fit how you earn. These are a few of the most common loan types for self-employed clients in Hawai‘i.
Self-employed borrowers can qualify for a mortgage just like W-2 employees. The process simply uses different paperwork. Lenders want to see that your income is consistent, your business is stable, and your finances are in good shape. Here’s what they look at:
Your tax returns and business records show how much you earn and how steady that income is. Most programs ask for at least two years of self-employment history, but strong, well-documented income can help you qualify sooner.
The longer and more reliably your business has been running, the better. Lenders also consider the industry you’re in and how your income has trended over time.
Your credit score, existing debts, and payment history all factor into loan approval and rates. Paying down balances before applying can make a big difference.
Expect to provide tax returns, profit-and-loss statements, and bank statements. The cleaner and more current your records are, the faster your loan can move through underwriting.
