Self-employed buyers and business owners in Brunswick may have income that looks different on traditional tax returns because of business expenses, deductions, or changing revenue. Kristeen Smith helps eligible borrowers explore mortgage options that can use qualifying bank deposits as part of the income evaluation process. Depending on the borrower and property, available options may support the purchase of an owner-occupied home or an eligible second home. Kristeen explains the documentation requirements and qualification considerations clearly so borrowers know what to expect. Her personalized approach helps Brunswick homebuyers make informed decisions based on their individual financial circumstances. From the initial consultation through closing, she remains focused on providing straightforward mortgage guidance.

Bank statement mortgage options can provide an alternative approach for eligible self-employed borrowers who may not fit conventional income documentation standards. Depending on the applicable program, borrowers may use 12–24 months of qualifying bank statement history to help demonstrate income. Eligible one-family owner-occupied purchases may offer financing up to 85%, while qualifying second-home purchases may offer financing up to 80%. Borrowers with at least one year of self-employment may also have options available based on applicable requirements. Kristeen takes the time to review each borrower’s circumstances and explain how the available mortgage options may apply. If you are planning to purchase a home in Brunswick, she can help you understand the process and move forward with greater confidence.