No lenders. No affiliates. No agenda.
Free readiness assessment

Are you actually ready
to get a mortgage?

If you're self-employed, freelance, or run your own business — lenders assess you differently. This tool gives you an honest read on where you stand, before you walk into a bank.

Independent. No lender relationships. No data collected.

Assessment progress 0 / 9
Guides for self-employed buyers
Income
How Lenders Actually Calculate Freelance Income
It's not your bank balance. It's not your invoices. Here's the exact formula most lenders use — and why it likely shows a smaller number than you expect.
Tax Strategy
Why Writing Off Expenses Can Cost You a Mortgage
Every dollar you deduct reduces your taxable income — and the income lenders will count. The tradeoff nobody tells you about.
Preparation
The 12-Month Plan Before Applying
What to do with your income, your taxes, and your paper trail in the year before you approach a lender. Specific, actionable, honest.
Loan Types
Bank Statement Loans Explained Plainly
An alternative for freelancers who can't show traditional income docs. How they work, who qualifies, and what the real cost is.