Self-Employed Mortgage Refinance: Unlock Lower Rates with Bank Statement or P&L Loans at Jhenesis Mortgage

Are you a self-employed professional tired of traditional mortgage refinance hurdles? At Jhenesis Mortgage, we specialize in self-employed mortgage refinance options designed for entrepreneurs, freelancers, and business owners like you. Skip the hassle of tax returns and W-2s—qualify using bank statement loans or P&L statements to secure competitive mortgage refinance rates. Whether you’re eyeing a cash-out refinance to fund your next venture or a rate-and-term refinance to slash monthly payments, our non-QM refinance programs make it simple and fast.

In today’s market, refinancing a mortgage can save you thousands, but self-employed borrowers often face roadblocks with conventional lenders. That’s where Jhenesis Mortgage shines. Our bank statement mortgage refinance programs analyze 12-24 months of deposits to verify income, while P&L mortgage refinance options leverage your profit and loss statements for a straightforward approval. No more deductions eating into your qualifying income—get the full picture of your earning power recognized.

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Bank Statement Loan Preliminary Qualifier

This tool helps determine if you may qualify for one of our Bank Statement loan products based on basic information. Enter your details below to see potential options.

Contact Information

Full Name: Email: Phone Number:

Loan Details

Loan Purpose: Occupancy Type: Property State: Minimum FICO Score: Desired Loan Amount ($): Estimated Property Value ($): Are you a First-Time Homebuyer? Estimated Debt-to-Income Ratio (%): If Cash-Out, Maximum Cash-Out Needed ($): Are you a Non-Permanent Resident Alien? Do you have any Pending Lawsuits?

Please provide all required contact information (Name, Email, Phone) to view results.

Your Potential Qualifying Products

Disclosure: This is a preliminary qualification tool and does not constitute a loan preapproval. Additional information and verification will be required to confirm eligibility. Results are based on provided inputs and may not reflect all guidelines. We will contact you for more details if needed.

Why Choose Jhenesis Mortgage for Your Self-Employed Refinance?

Tailored for 1099 Earners: Perfect for independent contractors, real estate investors, and small business owners seeking self-employed refinancing without the red tape.
Competitive Rates & Terms: Access today’s best mortgage refinance rates for self-employed borrowers, with options for fixed-rate, adjustable-rate, or cash-out up to 80% LTV.
Flexible Documentation: Use bank statement loans for self-employed refinance (personal or business accounts) or submit recent P&L statements—we handle the rest.
Quick Approvals: Close in as little as 30 days, with no need for two years of tax returns.
Expert Guidance: Our loan officers understand the self-employed journey and will guide you through how to refinance a mortgage as self-employed, maximizing your equity.

How Our Bank Statement or P&L Refinance Works

Apply Online: Start with a free pre-approval using basic info—no income docs required upfront.
Submit Statements: Provide 12-24 months of bank statements or your latest P&L for income verification. We calculate qualifying income at 100% of deposits (minus non-income items).
Get Customized Quote: Review personalized self-employed mortgage refinance rates, including closing costs and potential savings.
Close & Save: Fund your refinance and enjoy lower payments or extra cash for business growth.

Ideal for those searching for no tax return mortgage refinance or best refinance rates for self-employed, our programs bypass traditional DTI limits and focus on your real cash flow.

Eligibility for Self-Employed Bank Statement Refinance

Self-Employment History: At least 2 years in business (exceptions for 1 year with strong docs).
Credit Score: Minimum 620 FICO (higher scores unlock better rates).
Debt-to-Income Ratio: Flexible up to 50% based on bank statements or P&L.
Property Types: Primary residences, second homes, or investment properties.
Loan Amounts: From $100,000 to $3M+.

Don’t let outdated lending rules hold back your financial goals. As a leader in non-QM refinance loans, Jhenesis Mortgage empowers self-employed Americans to refinance home loans effortlessly. Calculate your potential savings today with our mortgage refinance calculator or contact us for a no-obligation consultation.

Ready to lower your rate? Apply Now or call 407-630-9766 for expert advice on bank statement refinancing for self-employed borrowers. Your dream refinance starts here!