Watkins Mortgage

09/30/2026

**NEW PROGRAM ALERT FOR SELF-EMPLOYED WITH AS LITTLE AS 3.5% DOWN!**

For many self-employed borrowers, qualifying for a mortgage can be difficult because traditional tax returns don’t always reflect the income they actually earn.

We now offer an FHA purchase program designed specifically for self-employed borrowers that allow you to qualify using an UNAUDITED P&L ONLY instead of traditional income documentation.

✅ **As Little as 3.5% Down**
✅ **Unaudited P&L to Prove Income**
✅ **630 FICO or Above
✅ **Purchase Transactions Only**
✅ **No Tax Returns Required**
✅ **No Paystubs Required**
✅ **Competitive FHA Rates**
✅ **Must Have Been in Business for at Least 2 Full Calendar Years**

**Example:** If you are purchasing in 2026, your business generally must have been established no later than **2023** to meet the two-full-calendar-year requirement.

This could be a great option for business owners, independent contractors, and other self-employed borrowers who have strong income but have had difficulty qualifying under traditional mortgage guidelines.

📲 **If you’re self-employed and thinking about buying a home, contact us before assuming you won’t qualify.**

Watkins Mortgage
NMLS 969508
Troy Ashly Watkins | NMLS 340085
200 E. Belt Line Rd., Suite 101
Coppell, TX 75019
972-415-4874
[email protected]
www.watkinsmortgage.com

Available for qualifying purchase transactions only. Minimum 3.5% down payment required. Borrower must meet applicable FHA, lender, credit, occupancy, property, and underwriting requirements. Self-employed borrowers must have been in business for at least two full calendar years. Income qualification may be based on an unaudited Profit & Loss Statement in lieu of traditional tax returns or paystubs, subject to program guidelines and lender approval. Additional documentation may be required. Not all applicants will qualify. Programs, rates, terms, and guidelines are subject to change without notice. This is not a commitment to lend. Equal Housing Opportunity.

We put our clients first. It’s that easy. For most of us, our home will be our largest investment and the buying process can be an extremely stressful time. We

09/17/2026

**THE FED RAISED RATES & HERE’S WHAT HOMEBUYERS NEED TO KNOW**

**WHY DID THE FED RAISE RATES?**
Inflation remains higher than the Fed’s 2% goal. The increase is intended to slow inflation and stabilize prices, not because the economy is collapsing.

**HOW MUCH DID RATES INCREASE?**
The Fed raised its benchmark rate by **0.25%**, bringing the target range to **3.75%–4.00%**.

**WHAT DOES THIS MEAN FOR MORTGAGE RATES?**
The Fed does not directly control mortgage rates. Mortgage rates are influenced more by inflation expectations, Treasury yields, and the bond market. Therefore, a 0.25% Fed increase does **not** automatically mean mortgage rates increase by 0.25%.

**WHAT DOES THIS MEAN FOR BUYERS?**
Don’t panic or automatically put your plans on hold. Every buyer’s situation is different, and there are still opportunities through rate buydowns, seller concessions, and selecting the right loan program.

**THE SILVER LINING**
If the Fed’s action successfully lowers inflation, it could eventually create a better environment for mortgage rates. Buyers may also face less competition and have more negotiating power today.

**Temporary Solution**
We’re still offering our One-Year Temporary Buydown at no cost to eligible borrowers on new home purchases! This means your rate would be 1% lower for the first 12 months!

Available on eligible Conventional, FHA, and VA purchases. USDA loans are excluded. Program requirements and restrictions apply.

Watkins Holdings, LLC d/b/a Watkins Mortgage | NMLS #969508 | www.watkinsmortgage.com
Troy Ashly Watkins, RMLO | NMLS #340085 | Equal Housing Opportunity Licensed by the Texas Department of Savings and Mortgage Lending. For informational purposes only and not a commitment to lend. Subject to credit, income, property, program eligibility and underwriting approval. Programs, rates, terms and availability are subject to change without notice. Not all applicants will qualify. Temporary buydown applies to eligible purchase transactions only; the borrower’s note rate does not change.

We put our clients first. It’s that easy. For most of us, our home will be our largest investment and the buying process can be an extremely stressful time. We

09/16/2026

06/27/2026

Happy Birthday to Lauren Ruiz! The heartbeat of our company. Thank you for all that you do for us. Have the best day!