Self-employed and incorporated
Review tax returns, salary, dividends and business income with lender requirements in mind.
Explore self-employed mortgagesElena Bogomaz · CPA | Mortgage Professional
How your income is interpreted can change how much home you can buy.
As a CPA | Mortgage Professional, I review your personal and corporate tax returns, salary, dividends and financial statements to identify income a lender may recognize. That analysis helps establish your borrowing options and assess how the payments fit your cash flow and future plans.
Some of my clients were approved for $200,000 to $300,000 more after their bank had approved them for less.
Book a ConsultationStart with a free 30-minute conversation. Share your goal, approximate income and timeline. No tax return is needed to begin.
Explore the BFS Checklist
Start with the decision ahead of you.
Practical analysis for your next purchase, refinance or renewal.
First-time homebuyers
Plan your qualification, down payment and monthly costs before you make an offer.
Explore your optionsRenewals and refinances
Assess penalties, cash flow and flexibility alongside the offered rate.
Review mortgage servicesGuides for your next step
Find educational resources to prepare your documents and questions.
Plan Your MortgageExpertise in Practice
Selected experiences shared by clients.
Google Review Excerpt
Qualified for more than we aimed for
“Elena has gone above and beyond to help my wife and I with qualifying for a mortgage. She helped us get above our goal.”
Francis Ibana
Google Review Excerpt
A complicated case, handled start to finish
“We had a complicated case but Elena was able to take care of it and handled it from start to end! Thank you Elena for helping us with finding a mortgage for our first home purchase!”
Alexander Golenishchev
Free Checklist · For Self-Employed & Incorporated Borrowers
The Self-Employed Mortgage Approval Checklist
Prepare your business income documents, understand how lenders assess your income and explore the qualifying 10%-down option.
Receive the four-page PDF by email to prepare for your mortgage application.
Get the Free ChecklistAwards & Recognition
Executive Award2022
Gold Award2022
Sales Achievement Award2022
Sales Achievement Award2024
Executive Award2025
Sales Achievement Award2021