Self-employed borrowers often face unique challenges when qualifying for a mortgage. With tailored programs like bank statement loans and alternative income documentation, The Bamman Team helps business owners, freelancers, and entrepreneurs in Roswell secure financing without the roadblocks of traditional lending. Located at 200 E 4th St Suite 500, Roswell, NM 88201, we provide trusted local guidance and competitive solutions designed to match your financial lifestyle.
Traditional lenders often struggle to evaluate income from self-employed borrowers. The Bamman Team offers mortgage programs designed specifically for entrepreneurs, freelancers, and independent contractors in Roswell, making it easier to qualify.
Instead of relying solely on tax returns, self-employed mortgage programs use alternatives like bank statements, profit and loss statements, or 1099 income to verify earnings. This flexibility allows Roswell borrowers to access financing that reflects their real income.
Owning a business comes with ups and downs. Self-employed mortgages are built to accommodate variable income, seasonal work, or multiple income streams. The Bamman Team provides financing solutions that grow with Roswell entrepreneurs.
Being self-employed does not mean you have to settle for higher costs. The Bamman Team connects Roswell borrowers with competitive rates and terms, ensuring business owners enjoy the same advantages as traditional wage earners.
Whether you’re buying your first home, upgrading to a larger property, or refinancing to free up equity, self-employed mortgage programs give Roswell business owners the flexibility to achieve their financial goals without unnecessary obstacles.
Located at 200 E 4th St Suite 500, Roswell, NM 88201, The Bamman Team provides trusted local expertise for self-employed borrowers. We guide you through documentation, explain every option, and make the process smooth from application to closing.
Qualifying for a mortgage as a business owner or freelancer can feel challenging, but with the right partner, the process becomes clear and manageable. The Bamman Team, located at 200 E 4th St Suite 500, Roswell, NM 88201, specializes in helping self-employed borrowers secure financing that fits their unique income structures. We work with programs that use bank statements, profit and loss statements, or 1099 income instead of strict tax return requirements. By focusing on your true earning potential, we open the door to more loan options and competitive rates. With trusted experience and local expertise, The Bamman Team makes it easier for entrepreneurs in Roswell and across New Mexico to achieve homeownership and long-term financial stability.
Many business owners and independent workers in Roswell face unique challenges when applying for a mortgage. The Bamman Team provides clear answers to common questions so self-employed borrowers can feel confident about their options.
A self-employed mortgage is a home loan program designed for borrowers who work for themselves, such as business owners, freelancers, or independent contractors. These programs allow income to be verified through alternative methods like bank statements, 1099s, or profit and loss statements rather than just tax returns.
Unlike traditional mortgages that rely heavily on W-2 forms, self-employed mortgages can use 12 to 24 months of bank statements, business financials, or other verified income records. The Bamman Team reviews your situation and recommends the most effective documentation strategy.
Most programs require a credit score of at least 620 to 660, though higher scores often result in better terms and rates. The Bamman Team helps self-employed borrowers in Roswell understand credit requirements and improve their profile when necessary.
Yes. Self-employed homeowners in Roswell can refinance their mortgages to lower interest rates, reduce monthly payments, or access equity through cash-out refinancing. The Bamman Team guides you through refinance programs tailored to your income structure.
Not necessarily. While some lenders may view self-employment as higher risk, strong credit, steady income history, and solid financial records often allow borrowers to qualify for competitive rates. The Bamman Team compares loan options to find the best available terms for you.
Located at 200 E 4th St Suite 500, Roswell, NM 88201, The Bamman Team has extensive experience helping self-employed clients secure financing. We simplify the process by focusing on flexible programs, guiding you through documentation, and ensuring you qualify for the right loan without unnecessary roadblocks.
The Bamman Team with Geneva Financial, LLC offering
personalized mortgage solutions, fast customized quotes, great rates & service with integrity.
Brian Bamman NMLS #265635
Jane DeRose-Bamman NMLS #1823677
