You’ve built a career on your own terms. You work when you want, with clients you choose, and you’ve grown your income year over year. But the moment you sit down with a traditional lender and hand over your 1099s, the conversation changes fast. “We can’t use that income.” “Your write-offs are too high.” “Come back when you have two years of W-2s.” If that sounds familiar, you’re not alone. Thousands of independent contractors across … Continue Reading
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Self Employed Home Loans
How a Fed Rate Cut Could Shake Up the California Housing Market
As we move toward fall, all eyes are on the Federal Reserve—and for good reason. With inflation cooling and economic data signaling a potential shift in policy, many experts now anticipate that the Fed could lower interest rates as early as September. But what does that mean for the mortgage and real estate markets in California? Let’s break down what you can expect if a rate cut becomes reality. 1. Mortgage Rates Could Finally Ease … Continue Reading