Self-employed buyers in South Portland may have earnings that fluctuate or appear differently on tax returns because of business expenses and deductions. Kristeen Smith helps eligible borrowers explore mortgage options that can consider qualifying bank deposits when evaluating income. Depending on the borrower and property, available financing may support an owner-occupied home purchase or an eligible second home. Kristeen takes time to explain the documentation, qualification factors, and property guidelines that may apply to each situation. Her straightforward approach helps borrowers understand their choices without making the mortgage process unnecessarily complicated. From the initial discussion through closing, she provides personalized guidance at every stage.

Bank statement mortgage options can give eligible self-employed borrowers another way to demonstrate qualifying income when traditional documentation does not fully reflect their financial picture. Depending on the program, income may be evaluated using 12–24 months of qualifying personal or business bank statements. Qualified buyers may have access to up to 85% financing for an eligible one-family owner-occupied purchase and 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 requirements. Kristeen works closely with each client to review their circumstances and help them understand the documentation and qualification process. If you are planning to purchase a home in South Portland, Kristeen Smith can help you explore your available mortgage options with clarity and confidence.