What Banks Hope Self-Employed People Never Learn

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What Banks Hope Self-Employed People Never Learn

Are you Self-employed and been told you can't get a mortgage? The problem isn't you - it's that most lenders don't know how to document your income correctly.

In this video, I reveal exactly why self-employed borrowers get denied, the "add-back" strategies that turn a $52K tax return into $88K of qualifying income, and the loan programs most banks won't even mention.

Here's what you'll learn:
Why your write-offs are killing your approval (and how to fix it)
The "add-backs" that can dramatically increase your qualifying income
Bank statement loans: qualifying on cash flow, not tax returns
The exact documents you need to get approved
4 mistakes that tank self-employed mortgage applications
Why big banks fail self-employed borrowers (and who to work with instead)

If you're a freelancer, business owner, contractor, or gig worker who's been told "no" — this changes everything.

⏱️ TIMESTAMPS:
0:47 - The lie self-employed borrowers keep hearing
1:02 - Why your tax return is working against you
1:35 - Real example: $52K to $88K qualifying income
2:10 - How "add-backs" actually work
3:27 - Bank statement loans explained
4:10 - The 5 documents you need ready
5:45 - 4 mistakes that kill your approval
7:11 - Big banks vs. specialized lenders

DISCLAIMER: This video is for educational purposes only and does not constitute financial advice. Loan approval is subject to credit and income verification. Individual results vary based on financial situation. Contact a licensed loan officer for guidance specific to your situation.
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I'm Dustin Hutley with Envoy Mortgage in Vancouver, WA. I help first-time buyers and small investors in SW Washington & Portland metro find their clear path to homeownership - even if you've been told no before.

You're not denied. You're on a path. Let's find yours!
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📍 I'm licensed in Washington & Oregon - NMLS: 1534848
🎯 Specializing in: First-time buyers, self-employed borrowers, down payment assistance programs, investment properties
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This is not a commitment to lend - Envoy Mortgage Ltd. 6666 (www.nmlsconsumeraccess.org)

952 Echo Lane, Suite 190 Houston, TX, 77024, 877-232-2461 - www.envoymortgage.com | |

Other authorized trade names: Envoy Mortgage LP; Envoy Mortgage of Wisconsin; Envoy Mortgage, A Limited Partnership; Envoy Mortgage, L.P.; Envoy Mortgage, Limited Partnership; Envoy Mortgage, LP; Envoy Mortgage, LTD Limited Partnership; ENVOY MORTGAGE, LTD, LP (USED IN VA BY: ENVOY MORTGAGE, LTD); Envoy Mortgage, LTD. (LP)

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