{"id":346,"date":"2025-11-06T07:00:00","date_gmt":"2025-11-06T07:00:00","guid":{"rendered":"https:\/\/bluegreymortgage.com\/?p=346"},"modified":"2025-11-06T07:00:00","modified_gmt":"2025-11-06T07:00:00","slug":"refinancing-when-youre-self-employed-what-to-expect","status":"publish","type":"post","link":"https:\/\/bluegreymortgage.com\/refinancing-when-youre-self-employed-what-to-expect\/","title":{"rendered":"Refinancing When You\u2019re Self-Employed \u2014 What to Expect"},"content":{"rendered":"\n<p>Already own your home and wondering if it\u2019s time to refinance? Great idea \u2014 especially if you\u2019ve built equity or your business income has grown.<\/p>\n\n\n\n<p>For self-employed homeowners, refinancing can help you:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Lower your interest rate<\/li>\n\n\n\n<li>Shorten your loan term<\/li>\n\n\n\n<li>Access cash for business investments or renovations<\/li>\n<\/ul>\n\n\n\n<p>?<strong> What You\u2019ll Need to Qualify<\/strong><\/p>\n\n\n\n<p>Even if you\u2019ve had your mortgage for years, refinancing still requires updated income verification. Lenders typically ask for:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Two years of tax returns<\/li>\n\n\n\n<li>Year-to-date profit &amp; loss statement<\/li>\n\n\n\n<li>Business bank statements<\/li>\n<\/ul>\n\n\n\n<p>If your income has been trending upward, refinancing could open doors to better rates or a new loan program that fits your needs.<\/p>\n\n\n\n<p>?<strong> Bank Statement Refinances<\/strong><\/p>\n\n\n\n<p>If your tax returns don\u2019t reflect your true income, <strong>bank statement refinance programs<\/strong> can use your deposits instead \u2014 no W-2s or traditional income proof required.<\/p>\n\n\n\n<p>At <strong>Bluegrey Mortgage<\/strong>, we help self-employed borrowers find refinance solutions that make sense for their financial and business goals.<\/p>\n\n\n\n<p><strong>Thinking about lowering your rate or tapping into equity?<\/strong> Let\u2019s see what your options look like today.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Already own your home and wondering if it\u2019s time to refinance? Great idea \u2014 especially if you\u2019ve built equity or your business income has grown. For self-employed homeowners, refinancing can help you: ? What You\u2019ll Need to Qualify Even if you\u2019ve had your mortgage for years, refinancing still requires updated income verification. Lenders typically ask [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":353,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[4],"tags":[],"class_list":["post-346","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-self-employment"],"acf":[],"_links":{"self":[{"href":"https:\/\/bluegreymortgage.com\/wp-json\/wp\/v2\/posts\/346","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/bluegreymortgage.com\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/bluegreymortgage.com\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/bluegreymortgage.com\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/bluegreymortgage.com\/wp-json\/wp\/v2\/comments?post=346"}],"version-history":[{"count":0,"href":"https:\/\/bluegreymortgage.com\/wp-json\/wp\/v2\/posts\/346\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/bluegreymortgage.com\/wp-json\/wp\/v2\/media\/353"}],"wp:attachment":[{"href":"https:\/\/bluegreymortgage.com\/wp-json\/wp\/v2\/media?parent=346"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/bluegreymortgage.com\/wp-json\/wp\/v2\/categories?post=346"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/bluegreymortgage.com\/wp-json\/wp\/v2\/tags?post=346"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}