Self-employed buyers in Falmouth may have income that changes throughout the year or is affected by business expenses and deductions. Kristeen Smith helps eligible borrowers explore mortgage options that can consider qualifying personal or business deposits when evaluating income. Depending on individual qualifications and property guidelines, financing may be available for an owner-occupied home or an eligible second home. Kristeen explains the documentation and qualification factors clearly, helping borrowers understand what may be required before moving forward. Her personalized approach gives Falmouth buyers the opportunity to evaluate their options with greater clarity. From the initial consultation through closing, she remains focused on providing straightforward and attentive mortgage guidance.

For eligible self-employed borrowers, bank statement financing can provide an alternative way to document qualifying income when traditional tax returns do not fully reflect their financial picture. Depending on the applicable program, income may be evaluated using 12–24 months of qualifying personal or business bank statement history. Qualified borrowers may have access to up to 85% financing for an eligible one-family owner-occupied purchase or up to 80% financing for a qualifying second home. Borrowers with at least one year of self-employment may also have options under applicable program guidelines. Kristeen works closely with each client to understand their financial circumstances and explain the requirements that may affect their mortgage options. If you are considering purchasing a home in Falmouth, Kristeen Smith can help you explore a financing approach suited to your goals.