Incorporated, sole prop, or commission — I structure files lenders approve, across A and B lenders. Self-employed financing is a specialty.
Smart business owners minimize taxable income — and then a big bank uses that low number to decline them. It’s the most common reason self-employed clients get turned away. The fix is structure: presenting your income the way lenders accept it (NOAs, T1s, financials, add-backs, or bank-statement programs) and choosing from lenders — A and B — who actually understand entrepreneurs. This is exactly what I specialize in, and it’s why clients who heard “no” at the bank get approved with me.
Add-backs, NOAs, T1s, and financials presented the way lenders want to see them.
If the bank box doesn’t fit, B-lender and alternative programs keep your goal alive.
Whatever your setup, I match it to lenders comfortable with self-employment.
A clear second opinion and a real path forward — not another dead end.
A no-pressure 15 minutes. I learn your goals, timeline, and numbers.
One application, the whole market — banks, monolines, and B lenders.
I present the best options and manage the paperwork to close.
“Highly recommended as Isha has extensive knowledge and expertise to handle the mortgages funding for small to large scale projects.”
“Isha Grewal is an outstanding mortgage agent with extensive experience in her field. Her client service is exceptional, and she’s always professional, responsive, and easy to work with. Thanks to her expertise, my mortgage was approved…”
“Fantastic mortgage broker to work with, very professional, diligent and really helped to make the process streamlined. Highly recommend!”
Yes. Lenders look beyond line 150 — using add-backs, business financials, and bank-statement programs to recognize your real earning power. I structure the file so your income is properly reflected.
Typically two years of NOAs and T1s, and for incorporated clients, business financial statements. Bank-statement programs use deposits instead. I’ll give you a tailored checklist on our first call.
Not necessarily. Many self-employed clients qualify for standard A-lender rates when the file is structured well. If a B lender is needed, I’ll explain the trade-offs clearly so there are no surprises.
Often, yes. A decline usually means wrong-lender, not unqualified. I’ll review what happened and place you with a lender that fits, including alternative options when appropriate.
One conversation with the whole market. Free, no obligation, no impact on your credit.
Book a free 15-min call