Owen Langis | Mortgage Connection

Self-Employed.ca | Owen Langis – Self-Employed Mortgage Broker in Calgary, Alberta

Owen Langis is a Calgary-based mortgage broker specializing in helping self-employed Canadians qualify for mortgages when traditional income verification doesn't tell the whole story.

As a licensed mortgage broker and partner at Mortgage Connection, Owen helps incorporated business owners, sole proprietors, oil and gas contractors, tradespeople, freelancers, and entrepreneurs navigate mortgage qualification challenges throughout Alberta and British Columbia.

MORTGAGE SOLUTIONS THAT LOOK BEYOND YOUR TAX RETURN

Running a profitable business doesn't always mean qualifying easily for a mortgage.

Many self-employed Canadians legally reduce their taxable income through business expenses, deductions, and tax planning. While these strategies can benefit their businesses, they may make mortgage qualification more difficult when lenders rely primarily on personal tax returns.

Owen specializes in helping business owners explore mortgage solutions based on a more complete understanding of their financial circumstances.

Depending on the lender and mortgage program, qualifying income may be assessed using:

• Corporate financial statements and business income

• Salary, dividends, and eligible retained earnings

• Eligible business expense add-backs

• Income gross-up strategies

• Business bank statements and cash flow

• Signed contracts and documented future income

• Stated-income and alternative mortgage programs

Owen works with banks, credit unions, and alternative lenders to identify financing options suited to each borrower's circumstances.

SELF-EMPLOYED MORTGAGE SERVICES

• Self-employed and sole proprietor mortgages

• Incorporated business-owner mortgages

• Oil and gas contractor mortgages

• Stated-income mortgage programs

• Business bank statement mortgages

• Income gross-up and add-back strategies

• Mortgages for newer businesses with less than two years of operating history

• Mortgage pre-approvals, home purchases, and refinancing

MORTGAGE CHALLENGES OWEN HELPS SOLVE

If your bank has declined your mortgage because your taxable income is too low, your business has been operating for less than two years, or your income doesn't fit traditional lending guidelines, you may have other options.

Owen helps self-employed borrowers navigate challenges including:

• Low taxable income due to business write-offs and tax deductions

• New businesses with less than two years of operating history

• Newly self-employed individuals with signed contracts or confirmed future work

• Oil and gas contractors with rotational schedules, fluctuating earnings, or contract-based income

• Oilfield workers transitioning from employment to independent contracting

• Contractors transitioning from T4 employment to self-employment

• Business owners with strong revenue but limited personal income

• Incorporated borrowers earning income through salary, dividends, or both

• Business owners with retained earnings and profits remaining in their corporations

• Fluctuating, seasonal, project-based, or contract-based income

• Limited self-employment history or insufficient traditional income documentation

• Mortgage declines from banks due to complex business finances

Whether you're launching a business with contracts already secured, operating an established corporation, or transitioning into independent contracting, Owen can help identify mortgage programs that may recognize your financial circumstances beyond your personal taxable income.

SERVING CALGARY AND COMMUNITIES THROUGHOUT ALBERTA

Based in Calgary, Owen serves self-employed borrowers throughout Alberta, including Airdrie, Okotoks, Cochrane, Chestermere, Canmore, Red Deer, Lethbridge, Edmonton, Medicine Hat, and Fort McMurray.

Services may also be available to eligible borrowers in British Columbia, including Kelowna, Kamloops, and Vancouver.

WORK WITH A MORTGAGE BROKER WHO UNDERSTANDS BUSINESS OWNERS

Whether you're purchasing your first home, upgrading, refinancing, or looking for mortgage options after being declined by your bank, Owen helps you understand how lenders evaluate self-employed income.

His approach focuses on understanding your business, reviewing available financial documentation, and identifying lenders and mortgage programs that fit your circumstances.

A low taxable income, a newer business, or complex corporate finances doesn't necessarily mean you cannot qualify for a mortgage.

Contact Owen to explore your self-employed mortgage options.

Website: https://self-employed.ca/

Phone: 403-968-8512

Email: [email protected]