This is where Next Day Mortgage comes in. We have experience in getting these types of mortgages approved. Whether you are trying to buy a home, or refinance your current home, we have mortgage lenders that understand what it means to be self employed. You claim less income on your income taxes because of write offs, you may have loan payments that are made by the business but still show up on your personal credit report. These are just two examples of the many special circumstances that you may have if you are self employed. An example of a solution Next Day Mortgage has for low income on your income tax return is a “Stated Income” mortgage product. In this type of mortgage product, the mortgage company lets you sign a declaration for how much you earn, instead of forcing you to use what you claimed on your income tax return.