Self Employed Looking for Options

[Rico Greenwade]

Hello, 

I've owned my business since December 2021. I'm looking to buy a home now but larger banks such as NFCU seem to want tax returns that show lower DTI numbers, which is causing me issues as the accountant provided substantial writeoffs on my returns. Are there any alternatives to buying my home? I sold my first home last year after divorce. If anyone could help me get a mortgage or point me in the right direction, I would really appreciate it.

[Brittany Minocchi]

There are programs out there for owner-occupied properties that don't require proof of income, but expect to need a hefty down payment (30%+) and reserves.