Liana Pomeroy, NMLS 295506

Liana Pomeroy, NMLS 295506 Competitive rates & creative financing to grow wealth through real estate! 303-601-5197
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06/07/2026

Most self-employed borrowers walk away from a denial thinking the answer is to pay more taxes and show more income. Sometimes that’s true. But often there’s a whole category of loan programs they were never told about.

Bank statement loans were created specifically for business owners with strong cash flow and significant deductions. Instead of your tax returns, the lender looks at 12 to 24 months of deposits into your business or personal bank accounts to calculate qualifying income. If money is consistently flowing in, that tells a much clearer story than a tax return that’s been optimized to show as little taxable income as possible.

Asset-based loans work differently. If you’ve spent years building savings, investment accounts, or retirement funds, some programs will use those assets to support qualification without leaning on income documentation at all. This can be a strong option for borrowers who have accumulated real wealth but intentionally keep their taxable income low.

Neither of these programs is a workaround or a last resort. They exist because the traditional system wasn’t designed with business owners in mind, and lenders who specialize in self-employed borrowers know that.

Send me a DM or use the link in my bio to schedule a free call.

My CPA saves me thousands every year. So why can't I get approved for a mortgage?If you've said some version of this, yo...
06/06/2026

My CPA saves me thousands every year. So why can't I get approved for a mortgage?
If you've said some version of this, you're not alone and you're not doing anything wrong.

This is one of the most common frustrations we hear from self-employed borrowers, and it makes complete sense. Your business is doing well. Money is coming in. You can comfortably afford a mortgage payment. But on paper, according to your tax returns, you look like you don't qualify.

The disconnect is real, and it has a real explanation. The income your CPA works to reduce is the same income your lender uses to determine what you qualify for. Two totally different goals, working from the same number.

What most borrowers don't know is that there are loan programs specifically built for this situation. You may not need to overhaul your tax strategy or pay more to the IRS than you have to. You may just need a lender who understands how self-employed income actually works and knows which programs fit your picture.

If you've been told no before, it's worth a second conversation. Send me a DM or use the link in my bio to schedule a free call.

If you're self-employed and you've ever been denied for a mortgage despite having a successful business, the problem usu...
06/03/2026

If you're self-employed and you've ever been denied for a mortgage despite having a successful business, the problem usually isn't your income. It's the way your income looks on paper after your CPA has done their job.

Most borrowers don't find out until they're already under contract that their tax strategy and their mortgage eligibility are pulling in opposite directions. By that point, options are limited. The returns are filed, the numbers are set, and the timeline is tight.

The borrowers who have the most flexibility are the ones who start the conversation early. Sometimes that means making small adjustments to how income is reported in the year or two before applying. Sometimes it means using a loan program designed for business owners with strong cash flow and significant deductions. Sometimes it means leveraging accumulated assets instead of income documentation entirely.

There is rarely just one path. But finding the right one takes time and the right conversation before you need the financing.

Send me a DM or use the link in my bio to schedule a free call.

06/02/2026

The reason so many self-employed borrowers get denied has nothing to do with how much money they make. It has everything to do with how that money looks on paper.

When you apply for a conventional mortgage, lenders typically use your net income from your tax returns as the starting point for qualification. That’s the number after your CPA has done their job, which means after depreciation, business expenses, home office deductions, vehicle write-offs, and every other legal deduction that reduces what you owe the IRS. A business owner clearing $200k in revenue might show $80k in net income on their return. And $80k is what the lender works with.

This is why the conversation needs to happen before you start house hunting. If a conventional loan is your goal, your tax strategy may need to shift in the year or two before you apply. If you’d rather keep your tax strategy exactly as it is, there are programs built for that too. Bank statement loans qualify you based on actual deposits into your accounts over 12 to 24 months. Asset-based loans use your accumulated savings and investments to support qualification instead of income entirely.

None of this is complicated once you know how the pieces fit together. But the timing matters a lot.

Send me a DM or use the link in my bio to schedule a free call.

06/01/2026

Senior lending is its own specialty, and it’s worth taking the time to find someone who knows it well. Retirement income is calculated differently than a salaried paycheck, asset structures look different, and the timing of a simultaneous sale and purchase has its own set of moving parts. Families who go into this process with a lender who understands all of that have a fundamentally different experience than those who don’t. If you’re helping a parent think through a housing transition, start by asking the lender about their experience with this specific demographic.

DM me or use the link in my bio to book a free call to discuss your situation.

One of the most important things you can do when your parent starts talking about making a move is listen before you pla...
05/29/2026

One of the most important things you can do when your parent starts talking about making a move is listen before you plan. It can be tempting to jump straight into research mode, start calling lenders, or begin mapping out a timeline, but the parent who is ready to make this transition usually already has a clear sense of what they want. They've been thinking about it longer than you have. Your job is to follow their lead, ask good questions, and help them find the right people to support the vision they already have. A parent who feels heard and in control of their own next chapter is going to move through this process with so much more ease than one who feels managed. Trust that they know what they're doing, and show up as a resource rather than a director.

I'm always here for a free call to talk about your situation. You can use the link in my bio to schedule, or DM me.

If your parent is starting to think seriously about making a move, the financial side of that conversation is worth unde...
05/28/2026

If your parent is starting to think seriously about making a move, the financial side of that conversation is worth understanding early. Seniors often have significant equity, stable asset pictures, and income structures that qualify well when a lender knows how to work with them correctly. The process of buying and selling simultaneously is also more manageable than most families expect when it's being guided by someone who has done it many times before. Getting the right lender involved early isn't just helpful for the mortgage piece, it shapes the entire experience of the transition.

DM me or use the link in my bio to book a free call to discuss your situation.

05/27/2026

If your parent is starting to talk seriously about making a move, one of the best things you can do is help them find a lender who actually specializes in this stage of life. Retirement income is calculated differently than a W2 salary, the timing of selling and buying simultaneously has its own process, and the equity they have built over decades deserves to be handled with real expertise. Not every lender knows how to navigate all of that, and it makes a significant difference in how smooth the experience feels for everyone involved. If your family is starting to think through the financial side of a housing transition, I’m here and I would love to help.

DM me or use the link in my bio to book a free call to discuss your situation.

05/24/2026

Starting over financially in your 40s is not starting from zero. It just feels that way at first. There is so much available to women who are ready to build something of their own, and figuring out what that looks like is one of my favorite conversations to have.

Use the link in my bio to schedule a free call, or send me a DM.

If you're thinking about making a major career change, the financial preparation matters as much as the emotional one. M...
05/22/2026

If you're thinking about making a major career change, the financial preparation matters as much as the emotional one. Most people focus on saving enough to cover a few months of expenses. Very few think about what to do with their equity before their income changes.

Here is what that conversation looks like:

1. Refinance strategically before you leave. While you still have a W2 income, you have access to the best rates and the most loan options. If you need cash to fund the next chapter, pulling it from your equity now is almost always better than doing it after your income picture changes.

2. Eliminate high interest debt while you can. Your debt to income ratio matters enormously in mortgage qualifying. Paying down or paying off high interest debt before your income shifts gives you far more flexibility on the other side.

3. Think about what you want your housing situation to look like in the next chapter. Downsizing, relocating, renting out your current home, buying in a lower cost area; all of these are easier to execute while you still have the income to qualify comfortably.

4. Know your equity position. A lot of people are sitting on more than they realize. That equity is a tool. Understanding what it is worth and what you can do with it before you make the leap changes what is possible on the other side.

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Niwot, CO
80544

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Friday 8am - 8pm
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+13036015197

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