Who we help
Three situations a W‑2 mortgage reads wrong.
Three situations account for most of the people a process designed around a W-2 paycheck reads wrong. Each has its own guide, its own programs and its own trade-offs.
Self-Employed Borrowers
Mortgage options for business owners, freelancers and independent contractors whose tax returns understate what they earn. Income is documented from bank deposits, 1099s or a CPA-prepared profit-and-loss instead of a two-year return average.
- Bank Statement
- Alternative Documentation
Real Estate Investors
Financing that qualifies a rental on its own cash flow and can close in an LLC, plus equity lines that fund the next down payment. Built for investors whose portfolio, not their pay stub, is the point.
- DSCR
- HELOC
- Bank Statement
Homeowners
Ways to put built-up equity to work without refinancing a first mortgage you like, including home equity lines for self-employed owners whose tax returns understate income.
- HELOC
- Bank Statement
Find out which program fits your situation.
Answer a few questions about your goal, the property and how you earn. A RateLogiq mortgage professional reviews your scenario and walks you through the options. No credit check at this step, and no application.