Profit & Loss Loan Program

The Profit & Loss Loan Program is designed for self-employed borrowers who want to qualify for a mortgage using their business financials. This program allows verified profit and loss statements to serve as primary income documentation. It is ideal for small business owners, freelancers, and entrepreneurs with variable earnings. By focusing on real business performance, lenders can better assess your ability to repay. The program provides a streamlined path to homeownership for non-traditional earners.
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If you’re looking for a variety of loan options, we offer solutions such as Chattel Mobile Home Loans and Foreign National Loans. For those with unique income situations, consider exploring Trust Income Loans or Asset Depletion Loans. We also provide specialized loan programs like Profit and Loss Loans, 1099 Loans, and Bank Statement Loans. If you’re interested in real estate investments, check out DSCR Loans or HELOAN. We also offer more traditional options, such as HELOC and All-In-One Loans, to suit a range of needs. Whether you’re a medical professional and need Medical Professions Loans or looking for Bridge Loans, Construction Loans, or Renovation Loans, we have tailored options. Need help with your Down Payment Assistance? We also offer Jumbo Loans, USDA Loans, and VA Loans to suit your needs. If you’re looking for FHA Loans or Conventional Loans, we can help with those as well. For residents of Casa Grande, AZ, we provide HELOC Loans and DSCR Loans. You can also explore VA Loans in Phoenix, AZ, Bank Statement Loans in Peoria, AZ, and Conventional Loans in Phoenix, AZ. For more options in Gilbert, AZ, check out FHA Loans in Gilbert, AZ and Conventional Loans in Gilbert, AZ. Additionally, you can explore Conventional Loans in Peoria, AZ and Bank Statement Loans in Peoria, AZ.

Qualify Using Your Business Statements

Instead of relying solely on personal tax returns, this program evaluates your business profit and loss statements to determine income. Lenders typically review 12 to 24 months of statements to calculate average earnings. This approach reflects your true financial position and cash flow. It makes the approval process more accessible for self-employed professionals. Borrowers gain an effective way to leverage their business performance for a mortgage.
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Tailored Mortgage Solutions for Entrepreneurs

Each self-employed borrower has a unique financial situation, which is why this program offers customized loan solutions. You’ll receive guidance throughout the process to ensure proper documentation and accurate calculations. Clear communication helps make the mortgage experience smooth and stress-free. The goal is to provide a reliable solution that aligns with your business and homeownership goals. Professional support is available every step of the way.
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Benefits of Profit & Loss Loan Program

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Use verified business P&L statements to qualify

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Ideal for self-employed borrowers

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Reflects true cash flow and earning potential

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Flexible underwriting guidelines
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Expert Guidance You Can Trust

Navigating mortgages with self-employed income can be complex without professional help. This program connects you with knowledgeable mortgage specialists who understand P&L-based lending. You’ll receive clear advice, personalized support, and reliable service from start to finish. The goal is to simplify the process and ensure a successful loan experience. With the right guidance, securing a mortgage becomes straightforward.
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Why Choose Price Mortgage for Your Loan Needs

Choosing the right mortgage partner can make all the difference in your homebuying journey. With Randy Bongard at Price Mortgage, you gain more than just a lender—you gain a dedicated advisor committed to helping you achieve your financial goals and homeownership dreams. Every borrower’s situation is unique, and Randy takes the time to provide solutions that fit your specific needs, whether you’re a first-time homebuyer, refinancing, or investing in property.

We are known for

Personalized Guidance: Randy provides tailored mortgage solutions to match your unique financial goals and homeownership needs.

Expertise You Can Trust: With years of experience in both commercial and residential real estate, Randy brings deep industry insight to help you make informed decisions.

Transparent and Honest Service: Clarity and integrity are at the heart of everything Randy does, keeping you informed at every step of the mortgage process.

Flexible Loan Options: From first-time homebuyer programs to refinancing and investment property loans, Randy offers a wide variety of financing options designed to fit your goals.

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Why Choose Randy Bongard at Price Mortgage?

Choosing the right mortgage partner can make all the difference in your homebuying journey. With Randy Bongard at Price Mortgage, you gain more than just a lender—you gain a dedicated advisor committed to helping you achieve your financial goals and homeownership dreams. Every borrower’s situation is unique, and Randy takes the time to provide solutions that fit your specific needs, whether you’re a first-time homebuyer, refinancing, or investing in property.

We are known for

Personalized Guidance: Randy provides tailored mortgage solutions to match your unique financial goals and homeownership needs.

Expertise You Can Trust: With years of experience in both commercial and residential real estate, Randy brings deep industry insight to help you make informed decisions.

Transparent and Honest Service: Clarity and integrity are at the heart of everything Randy does, keeping you informed at every step of the mortgage process.

Flexible Loan Options: From first-time homebuyer programs to refinancing and investment property loans, Randy offers a wide variety of financing options designed to fit your goals.

talk to a loan specialist

"FAQs"

I offer access to a wide range of loan programs, including conventional, FHA, VA, jumbo, refinance, and investment property loans. Because I work as a mortgage broker, I can explore multiple options to find the loan that best fits your goals and financial situation.

As a mortgage broker, I’m not limited to one lender’s products. This allows me to compare multiple loan programs and rates to find the most competitive and suitable option for you, rather than a one-size-fits-all solution.

The timeline can vary based on the loan type and your specific situation, but most home loans are completed within 30 to 45 days. I stay closely involved throughout the process to keep things moving smoothly and on schedule.

Absolutely. I work closely with first-time buyers to explain every step, review available programs, and help make the process clear and comfortable from application to closing.

To begin, you’ll typically need basic financial details such as income, assets, credit history, and the estimated purchase price or loan amount. Once you reach out, I’ll guide you through exactly what’s needed based on your situation.

Begin Your Home Financing Journey Today

Randy Bongard with Price Mortgage specializes in helping self-employed borrowers access flexible mortgage programs. With extensive knowledge of profit and loss lending, Randy provides personalized guidance and expert support. The Profit & Loss Loan Program is designed to turn your business performance into homeownership opportunities. Whether purchasing or refinancing, you’ll have a trusted partner at every step. Complete the form below to start your mortgage journey today.