Self-employed buyers in Longview can get home loans, as long as the income can be documented and the rest of the file holds up. Lenders usually look at about two years of income after business expenses, so your tax returns matter more than your gross sales.
Can I get a home loan in Longview if I am self-employed?
Often yes. Lenders usually want a two-year history of self-employment income and qualify you on what is left after business expenses.
Some programs can work with a shorter history if you have prior experience in the same or a related field. The rules differ by loan program, and each lender can add its own.
What paperwork will a self-employed borrower need?
Expect to provide signed personal tax returns with all schedules, and often business returns too. Lenders also commonly ask for bank statements and proof your business is still operating. Gather them early, and send every page.
Will my tax write-offs hurt me?
They can. Lenders start from your net profit, so big write-offs can shrink the income they are able to count. Some items, such as depreciation, can be added back. Talk to a tax professional about how you file, and talk to a loan officer before you file if a purchase is coming up.
Talk to Kenneth Travis's team
Kenneth Travis - Greenlight Mortgage, NMLS #233918. 4523 Judson Rd, Longview, TX 75605. Call 903-331-0892 or apply online.
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General information, checked against the sources shown in November 2026. Program rules change and each lender can add its own requirements. This is not a commitment to lend.