Self-employed borrowers with a strong most-recent tax year may qualify for a conventional mortgage using just one year of returns. Here's how the Fannie Mae and Freddie Mac exception works.

Most lenders offer the same products. As a broker, Mortgage Up works with dozens of lenders — competitive on conventional loans and equipped for borrowers who need a different approach.

It's the most common question we hear. The honest answer isn't about the market — it's about whether your specific situation is ready. Here's the framework that helps.