Self-Employed Loans in Kelowna, BC

Tired of hearing the “inconsistent income” words?
We get you.

We understand how difficult it is to get home mortgages as a self-employed individual, and we get the frustration that comes with it. After all, you may have a better income than employed people, and your small business may be thriving. But you still get those words when you try to apply for a loan and those two little words hold you down and make it very hard for you to improve your lifestyle and get what you want.

But, nevertheless, it is possible to get self-employed mortgages, and we are here to make sure of it. You will need to provide proof of income to secure a mortgage as a self-employed individual, including a two-year average of Line 150 on your tax return. You will need to have an excellent credit history, ideally without any payment delays and significant debts. There is also other paperwork involved regarding your business, and you will need to be able to provide a down payment of at least 10%.

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Contact Rampone-Marsh Mortgages for further guidance and find out how you can get a convenient self-employed mortgage loan.

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Applying for a mortgage shouldn’t be hard or confusing,
let’s break this down and make it simple for you!

Why is an appraisal necessary?

Every conventional mortgage that includes a minimum 20% down payment requires an appraisal because the mortgage is uninsured. The lender wants to see that your purchase price is in line with the property’s fair market value. Lenders want to see that you are purchasing a quality property and that they will be able to recuperate the full amount if you default on the loan.

What kind of clients do Mortgage Brokers work with?

Rampone-Marsh Mortgages works with homebuyers and homeowners from many walks of life.. These clients include:

If I choose a mortgage with a lender that is not my bank, do I have to change my bank account?

No, lenders simply require a void cheque to take the payments from your existing bank account.

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You guys, rock!

Thank you.

Carrie Mayhew

May 4, 2020

This is the second time that we have used Aaron Marsh as our Mortgage Broker and he is AWESOME. Not only is he extremely knowledgeable about the market but he…

Karyn Mackenzie

May 3, 2020

Lennie Rampone’s a real pro, he always comes through for us with amazing and creative deals. This guy knows his stuff and we trust him 100%.

Garnet Dickinson

May 4, 2020

We used Aaron Marsh just this past month to get a first mortgage on our home to purchase a business. First we went to our long time financial institution, they…