05/13/2026
There’s a certain type of client that will always have my heart.
Business owners.
That entrepreneurial spirit creates magic.
And... entrepreneurship rarely fits neatly into a box.
Yet that doesn’t mean someone isn’t financially strong or fully capable of buying a home of their own.
My client had formed his LLC before the business actually got started.
Smart long-term move? Absolutely.
But in a situation like that, here's the challenge: traditional income calculations don’t always tell the full story at first glance.
A lot of lenders would have stopped with the basics and limited his options, if they gave him any at all.
Instead, we slowed down and mapped it out.
We planned early — before house hunting ever started.
I pulled underwriting in upfront,
Worked directly with his accountant,
and built a file that told the complete story of the business, not just the easiest version to calculate.
Because we did that work ahead of time, he was able to qualify more competitively and keep more money in reserve for the future he’s building.
And when the home he really wanted came available in a highly competitive neighborhood?
He was ready.
Offer accepted.
Keys in hand.
Wedding planning still underway.
Business still growing.
Congratulations!
If you’re a business owner — or you love one — please know this:
There are often more options than people realize when you have the right strategy and the right team behind you.
Katie Zacherle
Mortgage Advisor and Strategist
The Foundation Lending Team at Atlantic Coast Mortgage
Let's make a plan for you: https://www.atlanticcoastmortgage.com/lo/katie-zacherle/ -contact-form
