Jake Taylor Mortgage

23/02/2026

If you’re self-employed, qualifying for a mortgage can feel more complicated than it should.

In this video, a client shares their experience securing a conventional home loan as a self-employed borrower.

Business owners, entrepreneurs, and 1099 earners often face additional scrutiny during the mortgage approval process. Income is calculated differently. Tax returns are reviewed in detail. Write-offs can impact qualifying income. And underwriting standards are often misunderstood.

In this case, we were able to structure the file properly from the beginning and guide the process smoothly to approval.

Self-employed mortgage approvals often depend on:

• Two years of tax returns
• Net income after business deductions
• Consistent income trends
• Strong credit profile (high FICO)
• Down payment structure
• Debt-to-income ratio calculation
• Proper documentation preparation

Conventional loans can absolutely work for self-employed borrowers — but preparation and strategy matter.

If you’re a business owner thinking about buying or refinancing, clarity is the first step.

Every situation is different. I’m always happy to review income structure and walk through the numbers before you apply.

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Topics Covered:

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1099 income mortgage
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home loan testimonial

18/02/2026

If you’re 62 or older and own your home, you may have heard about a reverse mortgage — but there’s a lot of misinformation out there.

A reverse mortgage (also known as a Home Equity Conversion Mortgage – HECM) allows eligible homeowners to convert a portion of their home equity into tax-free cash, without making monthly mortgage payments.

It’s not for everyone.

But in the right situation, a reverse mortgage can be used to:

• Supplement retirement income
• Eliminate an existing mortgage payment
• Create a line of credit for future needs
• Help with medical expenses
• Improve monthly cash flow
• Allow you to age in place

Important to understand:

✔ You still own your home
✔ You must maintain property taxes, insurance, and upkeep
✔ It is a loan secured by your home
✔ Heirs have options when the home is eventually sold

A reverse mortgage is a financial planning tool — not a last resort.

In today’s environment, many homeowners are sitting on significant equity. The question isn’t “Should I get one?”
The better question is:
“Does this strategy make sense for my long-term retirement plan?”

I recorded a short video explaining how reverse mortgages work and who they are best suited for.

If you or someone you care about would like a clear, no-pressure conversation about reverse mortgage options, I’m always happy to talk it through.

03/10/2024

13/09/2024

Timing is critical when interest rates are in flux. Please let me know if I can help you close a fast loan, for a loan fast!

12/07/2024

Crush your debts and take charge of your financial future! 💪✨ Payoff Tips:

1. 🔢 List all your debts
2. 📉 Focus on high-interest rates first
3. 💸 Extra payments = faster freedom
4. ✨ Celebrate small wins

You're closer to becoming debt-free than you think! 🌟

10/07/2024

Feels good to be fast! Please let me know if I can help you with a refinance, HELOC or if you’re purchasing a home.

04/07/2024

Happy 4th of July!

25/12/2023

Merry Christmas! 🎄

22/12/2023

From Kobeissi Letter:
pivot" is an understatement:

Markets are now pricing-in an 86% chance that rate cuts will begin in March 2024.

The base case now shows SEVEN interest rate cuts in 2024.

3 weeks ago, the Fed said that markets were "premature" in calling for rate cuts.

Last week, the Fed said that they see 3 rate cuts in 2024.

Markets are pricing-in more than DOUBLE the amount of rate cuts that the Fed is guiding.

This is incredible.