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I have my own business, is that a problem?

No. It has no impact on the loan itself. It will impact how much income documentation may be needed. Because lenders are required to fully document a file, complete personal and business tax returns with profit and loss statements as well as additional items may be needed depending on how you file your tax returns.

Also keep in mind that lenders will use the income for self-employed borrowers as reported on filed tax returns over the past two years. The income calculation takes into account the income after writeoffs.

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