Self-employed borrowers in Saco may have income that is affected by business expenses, deductions, or changing monthly revenue, making traditional documentation less reflective of their actual financial picture. Kristeen Smith helps eligible borrowers explore mortgage options that can use qualifying bank deposits when evaluating income. Depending on the borrower and property, available options may support an owner-occupied home purchase or an eligible second home. Kristeen explains the documentation, qualification factors, and property requirements in straightforward terms. Her personalized approach helps Saco buyers understand their choices and prepare for the mortgage process with greater confidence. From the first conversation through closing, she provides clear and attentive guidance.

For eligible self-employed borrowers, bank statement mortgage options can provide an alternative way to demonstrate qualifying income without relying solely on traditional tax documentation. Depending on the applicable program, income may be evaluated using 12–24 months of qualifying personal or business bank statements. Qualified buyers may also 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 be considered under applicable program guidelines. Kristeen takes the time to review each borrower’s financial circumstances and explain the requirements that may apply. If you are looking to purchase a home in Saco, Kristeen Smith can help you explore your mortgage options and take the next step with confidence.