Self-employed income
Review the way your business income, tax returns, and available documentation fit current program guidelines.
Private client mortgage strategy
A mortgage strategy built around the way your finances actually work.
Clear, experienced guidance for self-employed borrowers, investors, larger loans, and complex financial scenarios—without assumptions or pressure.
Request a private mortgage strategy callA focused first conversation—not a loan application or commitment to lend.
Direct guidance from Louis BacaNMLS 196378 · Mortgage guidance since 2005
NMLS 196378Licensed originator
31 licensed statesMulti-state guidance
Since 2005Experienced mortgage review
When the standard checklist is not enough
Bring the full picture into the conversation.
Complex does not mean impossible. It means the details, documentation, and tradeoffs deserve a careful review before anyone points to a product.
Investment property goals
Compare eligible financing paths for a purchase, refinance, or portfolio strategy one property at a time.
Larger or layered financing
Think through loan structure, cash needs, reserves, and tradeoffs when the scenario has more moving parts.
Complex income or assets
Start with the complete financial picture so the conversation is built around facts—not assumptions.
Potential options depend on the complete file, program availability, property, state, and underwriting requirements.
A disciplined first review
Clarity before commitment.
The goal is not to force a complicated situation into a simple answer. It is to find the most useful next step.
Share the full picture
Describe your goal, property, timeframe, and the part of your finances that needs a closer look.
Compare eligible paths
Louis helps frame available options, documentation needs, estimated costs, and meaningful tradeoffs.
Choose a next step
If there is a responsible path forward, you can continue to Geneva’s secure application when you are ready.
Start the conversation
Give Louis the headline. He’ll help with the details.
This short form captures only what is useful for a first review. After it is received, you can immediately choose a time on Louis’s calendar.
- Direct follow-up from Louis
- No obligation to apply
- Clear next steps based on your actual scenario
Please keep sensitive information out of this form. Do not enter Social Security numbers, bank account numbers, or upload financial documents here.
Questions before you begin
A few straightforward answers.
Can self-employed borrowers qualify for a mortgage?
Many self-employed borrowers qualify. The useful starting point is understanding how the applicable program evaluates income, business history, cash flow, and documentation. Louis will help identify the information needed for a responsible review.
Are bank-statement or alternative-documentation programs available?
Programs may be available when offered and appropriate. Availability, documentation, pricing, property rules, and underwriting standards vary, so Louis will confirm current options only after reviewing your goal and circumstances.
Can an investment property's cash flow be considered?
Some investor programs may consider property-level cash flow when available. Eligibility and terms vary by program, borrower, property, state, and current underwriting requirements.
Is this request a loan application or pre-approval?
No. Submitting this form or scheduling a call is not a loan application, pre-approval, commitment to lend, or guarantee of financing. If you decide to move forward, Louis will direct you to Geneva Financial’s secure application.
What happens after I submit?
Louis receives your contact information and high-level scenario. You can choose a time on his calendar immediately, or wait for a personal follow-up. Do not include Social Security numbers, account numbers, or other sensitive documents in the notes field.
Your finances deserve more than a one-size-fits-all answer.
Start with a clear description of the goal. Louis will help you make sense of the next step.