Qualify Using Your Business Performance

For self-employed borrowers, traditional income documentation may not always reflect the strength of a business. Profit and Loss mortgage programs can offer an alternative approach by using business financial performance as part of the qualification process. John Aranda can help eligible business owners explore whether this type of loan fits their financial situation and homeownership goals.
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A Simpler Documentation Approach

A Profit and Loss program may allow qualified self-employed borrowers to use a prepared profit and loss statement to demonstrate business income. This can provide an alternative to relying solely on traditional income documentation. These programs can be useful for business owners whose income varies throughout the year or whose financial picture is more complex. John Aranda can help you understand the documentation and qualification requirements that may apply.
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Designed For Business Owners

Self-employed borrowers often have income structures that can be difficult to represent through conventional underwriting methods. A Profit and Loss loan may provide another way to evaluate qualifying income based on the financial performance of an established business. Depending on the program, additional documentation and requirements may apply. John Aranda will review your circumstances and help you explore available options.
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Advantages of Profit & Loss Loans

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Direct Wholesale Rates – Access competitive interest rates and flexible lending products through Barrett Financial Group’s extensive network of wholesale mortgage lenders.

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Down Payment Assistance – Explore Arizona grant programs and silent second loans designed to significantly reduce or eliminate your out-of-pocket costs at closing.

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Fast & Efficient Closings – A streamlined process that saves you time and reduces stress.

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Dedicated Support – One-on-one assistance to ensure clarity at every stage of the journey.

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Turn Business Success Into Opportunity

Your business income should be considered within the context of your overall financial profile. Profit and Loss programs can provide eligible entrepreneurs with an alternative path to mortgage qualification when traditional documentation may not be ideal. John Aranda takes the time to understand your business and financial circumstances before helping you evaluate potential loan options. With clear guidance throughout the process, you can better understand your choices and determine the next step toward your homeownership goals.
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Why Work With Osvaldo "Wally" Olivares At Barrett Financial Group?

Osvaldo “Wally” Olivares is committed to making the mortgage experience clear, personalized, and easier to navigate. Whether you are purchasing your first home, accessing down payment assistance grants, or exploring competitive financing options across Arizona, he takes the time to understand your goals and financial circumstances. With access to a diverse range of mortgage solutions, Wally helps you explore options that fit your needs. His approach is centered on clear communication, responsive service, and thoughtful guidance from application through closing.

We are known for

Your mortgage journey deserves attentive service from start to finish. Osvaldo “Wally” Olivares remains focused on providing dependable support throughout.

Different financial situations require different mortgage options. A broad range of DPA programs helps you explore solutions suited to your goals.

 

Mortgage decisions should be easy to understand. You will receive clear answers, timely updates, and dedicated support throughout the process.

 

Every borrower has different goals and circumstances. Osvaldo “Wally” Olivares provides guidance tailored to your individual mortgage needs.

 

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"FAQs"

Down Payment Assistance includes grants, non-repayable gifts, or second mortgages that help buyers cover their required down payment and closing costs when purchasing a primary residence in Arizona.

Not always! While many DPA programs target first-time buyers (anyone who hasn’t owned a home in the last 3 years), several Arizona assistance programs are available to repeat buyers depending on location and income.

Most DPA programs require a minimum credit score starting around 620 to 640. However, options vary depending on whether you choose an FHA, VA, USDA, or Conventional underlying loan structure.

It depends on the specific program. Some programs offer 100% forgivable grants after a certain period of living in the home, while others offer low-interest or zero-interest second mortgages that are repaid upon refinancing or selling.

Simply complete our online application or contact Osvaldo “Wally” Olivares directly at (928) 580-4142. We will review your income, assets, and credit profile to match you with the best available assistance options.

Let’s Find the Right Path Forward

Ready to take the next step toward your homeownership goals? Osvaldo “Wally” Olivares is here to answer your questions, review your options, and provide personalized mortgage guidance based on your unique situation. Whether you are ready to apply for down payment assistance or simply want to explore your possibilities across Arizona, reach out today and let’s start the conversation.