Self-Employed
We Speak Self-Employed
Financing Solutions for Entrepreneurs and Business Owners in Oregon
As a business owner, you’ve worked hard to build your success. But when it comes time to buy a home, many traditional banks struggle to understand your true income. They look at your tax returns, see your smart business write-offs, and simply say “no.”
I do things differently. With 7 years of experience as a Commercial Loan Officer and a total of 12 years in the real estate industry, I have a deep understanding of business tax returns and complex income scenarios. I don’t just look at a bottom-line number; I look at the strength of your business and find the creative paths to “Yes” that big banks miss.
Solving the Self-Employed Puzzle
If you’ve heard these common reasons for a denial, let’s take a second look:
"You have too many write-offs."
We offer specialized Bank Statement Loans and other Alternative Documentation programs that look at your actual cash flow rather than just your taxable income.
"You haven't owned the business long enough."
While many lenders require a 2-year history, we have access to wholesale programs that can work with shorter business histories or transitions from similar fields.
"Your income fluctuates too much."
I specialize in untangling messy returns. We use my commercial background to analyze your Profit & Loss statements and find the consistency that underwriters need to see.
The Broker Advantage for Entrepreneurs
Because I am a Mortgage Broker, I shop dozens of wholesale lenders. While a retail bank is stuck with one set of rigid rules, I can match your unique business structure (S-Corp, LLC, or Sole Proprietorship) with a lender that specializes in exactly what you do.
My goal is simple: To ensure that your success as an entrepreneur is rewarded with the home you deserve.
READY TO GET FUNDED?
Whether you have your tax returns ready or you need a creative alternative documentation solution,
let’s build your path forward.
Schedule a Free 30-Minute Self-Employed Consultation. We’ll do a high-level review of your business structure and income to see which programs fit you best.
Ready to get the numbers moving? Submit your information through my secure portal, and I will begin a custom analysis of your file.
Elizabeth Fisher, Mortgage Broker
(503) 949-6882 · elizabeth@cmsoregon.com · NMLS #1752064
CORMOR INC dba Capital Mortgage Source; State Lic #’s: OR 1454750;
· Corporate Location: 301 SW 4th Street, Ste 160, Corvallis, OR 97333 | NMLS# 2320694
· Salem Location: 285 Liberty St NE, Ste 202, Salem, OR 97301 | NMLS# 2784970;
Equal Housing Mortgage Broker