Self-employed professionals and business owners may have income patterns that are not always fully reflected through traditional tax returns. Kristeen Smith helps eligible borrowers explore mortgage options that consider qualifying bank deposits and individual financial circumstances. Depending on the borrower and property, available options may support owner-occupied purchases, second homes, and other qualifying homeownership goals. She takes the time to explain documentation requirements, qualification factors, and the overall mortgage process in straightforward terms. With a personalized approach, Kristeen helps Portland borrowers better understand their choices before moving forward with a home purchase.

For eligible borrowers, bank statement mortgage options can provide an alternative way to demonstrate qualifying income when traditional documentation may not tell the complete financial story. Programs may consider 12–24 months of qualifying bank statement history, while certain options may be available to borrowers with at least one year of self-employment. Kristeen also offers options for eligible one-family owner-occupied purchases with financing up to 85% and second-home purchases with financing up to 80%. She works closely with each borrower to understand their financial profile and identify the applicable requirements for their situation. Serving borrowers throughout Maine and New Hampshire, Kristeen provides clear communication and personalized guidance from the initial consultation through closing.