Just went through the whole mortgage application thing as someone who's self-employed, and man, it was a rollercoaster. Ended up using this online broker service that specializes in freelancers and small biz owners. Honestly, it made things way smoother than I expected—less paperwork headache and they actually understood my income situation (shocking, I know). Curious if anyone else had luck with these specialized brokers or did you just stick with traditional banks?
Went through something similar myself a couple years back—traditional banks were a nightmare because they just couldn't wrap their heads around my fluctuating income. Ended up going with a broker who specialized in freelancers, and it was night and day. They actually knew what questions to ask and how to present my earnings clearly. Did you find the rates competitive though? Mine were decent, but I've heard mixed things from others...
