A Mortgage Built Around the Business You Actually Run
Your business has its own rhythm
Running a business rarely means earning the same amount in the same way every month. A contractor may collect revenue when a project is completed. A consultant may have strong quarters followed by quieter periods. A sHop owner may reinvest in inventory before the next busy season. That is normal business activity, but it can make a mortgage conversation feel more complicated when the documentation path does not reflect how the owner manages income.
Rate snapshot — October 26, 2026: Self Prepared P&L/WVOE rates start at 6.250% for the 5/6 Arm and 6.500% for the 7/6 ARM, before applicable adjustments. The 5/6 ARM is listed in CA, NV and TX; the 7/6 ARM in CA, CO, GA, IL, TX, VA and WA. Actual pricing depends on the borrower and loan scenario; APR may vary. Rates and fees are subject to change.
Bring a clearer picture of business performance
AAA Lendings' Self Prepared P&L/WVOE program gives eligible borrowers another way to document income. For qualifying self-employed applicants, a self-prepared profit and loss statement may be used without requiring a CPA-prepared P&L. The goal is not to skip review; it is to offer a documentation option that can help present the business's current financial picture in a structured way.
A documentation option, not a shortcut around underwriting
The program still has defined requirements. Business history, licensing, current year-to-date financial information, assets, reserves, credit, property, and overall repayment ability may all matter. Supporting documents are required, and a CPA letter may be part of the file under program guidelines. A well-organized submission helps the lender understand the story behind the numbers and identify missing items earlier.
Consider the ARM that fits your plans
Eligible borrowers can explore a 5/6 ARM or a 7/6 ARM. The 5/6 ARM begins with a five-year initial rate period; the 7/6 ARM begins with a seven-year initial rate period. Both adjust every six months after the initial period, subject to the program's adjustment terms. The right choice depends on your plans, comfort with future payment changes, and the full loan scenario—not just the initial rate.
Start with the full scenario
If you are self-employed and planning to purchase or refinance, discuss your business structure, ownership, property, occupancy, loan amount, and timing with your mortgage professional. AAA Lendings can review the scenario against current guidelines and help determine whether Self Prepared P&L/WVOE is a fit.
Explore a mortgage option designed to consider your business documentation needs. Contact AAA Lendings for current eligibility and program details.
Program availability, qualification, rates and terms vary by state, borrower profile, property type, loan purpose, and current guidelines. Rates and fees are subject to change without notice. Contact AAA Lendings for current program details.