Mortgages, cash-out & HELOCs — every hour counted
A journeyman clearing $140K can get qualified like a $38/hr base earner — if the loan officer is lazy. Ours aren't. W-2 overtime documented right, contractor deposits read at full strength, cash-out and equity lines without tax returns.
What would you like to do?
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Your specialist shops your file across a 90+ lender network, including
Wholesale and TPO lending relationships available to brokers in the network. All names are trademarks of their respective owners; no endorsement or affiliation is implied.
Underwriting rules genuinely allow overtime, premium pay, and consistent per-diem — averaged over history — but plenty of loan officers just don't do the work. And if you run your own shop, the van, tools, and materials write-offs shrink your Schedule C the way they shrink every contractor's. Both problems have the same fix: a specialist who documents the file the way the guidelines actually allow, or a program that reads deposits instead.
Want the mechanics before you talk to anyone? LumoLend's bank statement loan guide walks through how 12–24 months of deposits get counted, and their self-employed mortgage guide covers exactly what an own-shop file needs.
YTD stubs with overtime detail, employer or union verification, two-year averaging — the boring paperwork that adds six figures of buying power.
Bank statement programs read 12–24 months of deposits — progress payments, materials reimbursements, seasonal swings all average in.
Went out on your own last year? Programs accept 12 months self-employed backed by your union W-2 history in the same trade.
Capital for the trade
Home-equity pricing for the things that grow your income — the van, the test gear, the contractor's license, the first hire — without touching business credit or your current mortgage rate.
Two minutes · No credit check · No obligation
"Two lenders used my base rate. My specialist documented three years of storm work and doubles — the approval went up $190K."
"Left the local to start my own shop, and twelve months in I bought a house on my deposits. Nobody blinked at the write-offs."
"HELOC bought the second van and a trencher. Cheaper than the dealer's financing and my 3.1% first mortgage never moved."
Two minutes · No credit check · No obligation
Yes, with documented history it averages into qualifying income — the catch is the loan officer has to actually document it. Ours do.
With some lenders, when it's consistent and documented — that's a lender-matching question, and it's exactly what we do.
Bank statement programs qualify you on 12–24 months of deposits; 1099 programs on gross contractor income. Your deductions stay.
Usually not — 12 months self-employed with prior W-2 history in the same trade opens several programs.
Yes — our sibling brand LumoLend has free, no-login mortgage calculators and 40+ plain-English guides. Run your scenario there first, then come back when you want a specialist on the file.
Two minutes · No credit check · No obligation