Fannie Mae Selling Guide B3-3.5-01: Underwriting Factors and Documentation for a Self-Employed Borrower

Document: Fannie Mae Single Family Selling Guide
Section date: December 13, 2023
Version in Zeitro Strata: September 2, 2026
Where: pages 381–385 of 1196
Official text: Fannie Mae Single Family Selling Guide on the Fannie Mae website

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, Underwriting Factors and Documentation for a Self- Employed Borrower (12/13/2023) Introduction This topic contains general information on underwriting factors and documentation for a self-employed borrower, including:

Fannie Mae Selling Guide B3-3.5-01, pages 381–385

Fannie Mae publishes the full text of this section: Fannie Mae Single Family Selling Guide on the Fannie Mae website. Zeitro Strata answers questions about it with the passage and page cited.

What this section covers

Overview
Factors to Consider for a Self-Employed Borrower
Length of Self-Employment
Veriﬁcation of Income
Analysis of Borrower’s Personal Income
Analysis of Borrower’s Business Income
Use of Income Calculator
Use of Business Assets
Income Veriﬁcation for Self-Employed Co-Borrowers
Verbal Veriﬁcation of Employment

Guideline text quoted as published by the agency. The latest published version governs. This is not an underwriting decision.