These are national average rates as of September 29, 2026. The 30-year fixed is at 7.34% — up 0.31% from last week, FHA at 7.08%, and VA at 7.01%. For exact rates tailored to your buyers, reach out to your loan officer directly.

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Self-Employed Buyers Aren't Unbankable — They Just Need the Right Lender

Self-employed clients are one of the most overlooked buyer pools in real estate. Agents assume they're too hard to finance. That's not true — they just need a lender who knows the right programs. Traditional bank statement loans let us qualify buyers using 12–24 months of personal or business deposits instead of tax returns. This is a game changer for the business owner who writes off everything and shows minimal taxable income on paper. I've closed buyers who showed $40K in net income on their return but had $18K per month flowing through their accounts. We qualified them at the deposit level. There are also P&L-only programs, asset depletion loans, and 1099-based approvals. None of these are exotic — they're just less commonly offered. If you have a self-employed buyer who's been told "no" by their bank, send them my way before they give up. I can usually find a path forward within 48 hours.

Send me your self-employed buyer. I'll find the right program and pre-approve them fast.

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Construction-to-Perm Loans

One loan from groundbreak to move-in.

For buyers building new, a construction-to-perm loan funds the build and converts to a permanent mortgage at completion — one application, one appraisal, one closing. No need to re-qualify when the home is done.

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If you're self-employed, keeping clean financial records for two years makes mortgage qualification much smoother.

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