Use Your Home Equity to Take Control of High-Interest Debt
FOR SELF-EMPLOYED GEORGIA HOMEOWNERS
Your tax returns may not show the full strength of your business. Explore cash-out options that may use bank statements or other alternative income documentation.
Takes about 2 minutes. No obligation. Checking your options will not affect your credit score.
✓ Options designed for self-employed homeowners
✓ Explore combining high-interest debts into one payment
✓ Get personalized guidance from a licensed Georgia mortgage broker
WHY SELF-EMPLOYED HOMEOWNERS LOOK FOR ANOTHER OPTION
Self-Employed Income Doesn’t Always Fit One Documentation Method
Traditional tax returns do not always reflect a business owner’s actual cash flow. Depending on your situation, certain programs may evaluate deposits shown on personal or business bank statements or use other alternative documentation.
A cash-out loan may allow an eligible homeowner to use available equity to pay off credit cards, personal loans, business debts or other high-interest obligations.
Flexible Documentation
Explorer programs designed around how self-employed borrowers earn income.
One Personalized Review
We'll review your goals, equity and available options.
No-Pressure Conversation
You decide whether any option makes sense for you
Your home's equity may give you another option.
Depending on your equity, income, credit profile and other qualifications, you may be able to consolidate eligible debts using financing secured by your home.
Takes about 2 minutes • No obligation
FINANCING BUILT WITH BUSINESS OWNERS IN MIND
Self-Employed Doesn't Have to Mean One-Size-Fits-All Income Documentation
When you own a business, your tax returns may not always reflect your current cash flow.
Depending on the loan program and your qualifications, other documentation methods may be available.
BANK STATEMENT OPTIONS
Certain programs may use personal or business bank statements to evaluate qualifying income.
PROFIT & LOSS OPTIONS
Certain programs may allow qualifying income to be evaluated using a business profit and loss statement, subject to program requirements.
TRADITIONAL DOCUMENTS
For some borrowers, tax returns, W-2s, or other traditional documentation may still provide the best available option.
Not sure which one fits? That's what we'll help you determine.
SIMPLE. PERSONAL. NO PRESSURE.
See What Options May Fit in 3 Simple Steps
01
Tell Us About Your Situation
Answer a few questions about your home, debt and self-employment. It takes about two minutes.
02
We Review Your
Options
We'll review your information to determine which available programs may fit your situation.
03
Talk With a Loan Professional
We'll explain potential options, costs and next steps so you can decide whether moving forward makes sense.
READY TO SEE WHAT MAY BE AVAILABLE?
Takes about 2 minutes • No obligation
COULD THIS STRATEGY FIT YOUR SITUATION?
This May Be Worth Exploring If...
Every homeowner's situation is different, but this strategy may be worth exploring if several of these sound familiar.
You're self-employed or own a business
You own a home with available equity
You're carrying high-interest credit card or personal loan debt
You have multiple monthly debt payments
You'd like to simplify your monthly finances
Your tax returns don't tell your entire financial story
You want to explore alternative income-documentation options
You want to understand your options before making a decision
You Don't Need to Know Which Loan Program You Need.
That's what we're here to help you determine.
Answer a few questions about your situation, and we'll review which available options may be worth discussing.
Takes about 2 minutes • No obligation
QUESTIONS? START HERE.
Frequently Asked Questions
Every situation is different. Here are answers to some common questions self-employed homeowners have when exploring debt consolidation options.
Q1. Do I need tax returns if I'm self-employed?
A: Not necessarily. Depending on the loan program and your qualifications, income may be documented using tax returns, bank statements, profit and loss statements, or other permitted documentation. We'll help determine which available options may fit your situation.
Q2. What types of debt may be consolidated?
A: Depending on the loan program and your situation, eligible debts may include credit cards, personal loans, auto loans and certain other obligations. We'll review the debts you'd like to consolidate as part of your initial consultation.
Q3. Do I need perfect credit?
A: No. Loan options are available across a range of credit profiles, but credit history and score can affect eligibility, rates, costs and available programs.
Q4. How much home equity do I need?
A: It depends on the loan program, property, loan amount and other qualification requirements. Tell us approximately what your home is worth and what you currently owe, and we'll help determine whether you may have sufficient equity to explore available options.
Q5. Will this replace my current mortgage?
A: It depends on the financing option. Some debt consolidation strategies may involve replacing your existing mortgage, while other available options may use a separate loan or line of credit secured by your home. We'll compare available options based on your individual situation.
Q6. Does checking my options obligate me to get a loan?
A: No. The initial review is designed to help you understand what options may be available. You can review the potential terms, costs and requirements before deciding whether you want to proceed.
Q7. Is this a debt settlement or debt relief program?
A: No. Windward Mortgage Inc. is not advertising a debt settlement or debt forgiveness program on this page. The options discussed here involve mortgage or home-equity financing secured by real estate and are subject to loan qualification and approval.
Still Not Sure? Start With a 2-Minute Review.
Tell us a little about your home, debt and self-employment situation.
We'll review your information and help determine which available options may be worth exploring.
Takes about 2 minutes • No obligation
READY TO EXPLORE YOUR OPTIONS?
Your Next Step Takes About 2 Minutes
Tell us a little about your home, debt and self-employment situation.
We'll review your information and help determine which available options may be worth exploring.
✓ No obligation to proceed ✓ Personalized review
✓ Options for qualifying self-employed homeowners
Windward Mortgage Inc.
Helping homeowners explore financing solutions based on their individual goals and financial circumstances.
Windward Mortgage Inc | NMLS # 2650009 || Joseph Park | NMLS # 1944737
Windward Mortgage Inc. is a Georgia-licensed mortgage broker, NMLS #2650009. This is an advertisement and is not a commitment to lend or an offer of credit. All loan programs are subject to borrower and property qualification, underwriting approval and program availability. Using home equity to consolidate debt creates a new loan secured by your property and may increase the total interest paid or extend the time required to repay your debts. Failure to make payments could result in foreclosure. Not all applicants will qualify. Equal Housing Opportunity.