Corey Ruffin NMLS 76918
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Corey Ruffin | CoreyGroupRE
Loan Factory | Loan Officer
CO-NMLS: #320841 | NMLS: #76918
Self-employed and thinking about buying a home? Read this first.
One of the biggest misconceptions I hear from business owners, contractors, freelancers, and entrepreneurs is:
“I probably can’t qualify because my income is complicated.”
The reality is, there are far more options today than most people realize.
Mortgage programs now exist specifically for self-employed borrowers and non-traditional income situations.
Depending on the scenario, qualifying may be possible using:
• Bank statements instead of tax returns
• Asset-based income (including investment accounts and in some cases crypto)
• Shorter self-employment history than traditional loans require
• Flexible expense calculations for business owners
• Higher allowable debt-to-income ratios
There are also specialized solutions for situations like:
✔ Buying a new home before selling your current one
✔ Investors purchasing multi-unit properties
✔ Buyers with strong assets but irregular monthly income
✔ Self-employed professionals early in their business cycle
The lending world is no longer just W-2 employees and perfect tax returns.
If your income comes from your business, contracts, commissions, rentals, or investments — there is usually a structured path forward.
Every situation is different, and the key is reviewing it correctly from the start.
If you’re self-employed in the Puget Sound area and want to understand your real options, I’m always happy to take a look and map out the smartest path.
— Corey Ruffin
CoreyGroupRE
From Dream → To Keys
01/12/2026
Corey Ruffin | Real Estate Agent Renton, WA | Keller Williams Connect with Corey Ruffin to find properties in your area. View Corey Ruffin's profile to connect with them and help you on your home search.
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10/22/2025
🎉 BIG MILESTONE ACHIEVED! 🎉
I’m proud to share that I’ve officially surpassed $1 MILLION in loans funded this month! 💥
At Integrity First Mutual Mortgage in Mill Creek, WA — powered by Loan Factory — I’m committed to helping every client reach their homeownership goals with honesty, transparency, and care.
Every loan represents someone’s dream becoming reality, and I’m truly grateful for the trust my clients and partners place in me. This is just the beginning! 🙌🏾
📍 Integrity First Mutual Mortgage – Mill Creek, WA
💼 Powered by Loan Factory | NMLS #320841
👤 Corey Ruffin – Loan Originator | NMLS #76918
09/13/2025
Buy it. Renovate it. Love it.
With an FHA 203K Loan, you can finance the purchase AND the renovation in one simple loan.
✔️ Low down payment
✔️ One loan for both purchase + upgrades
✔️ Perfect for fixer-uppers
🏡 Don’t just buy a house—transform it into your dream home.
📲 DM or call me today to see if an FHA 203K loan is right for you!
09/12/2025
💡 Your home’s equity is powerful—make it work for you!
Options at your fingertips:
✔️ HELOC – borrow as needed, pay interest only on what you use
✔️ HELOAN – lump sum with predictable monthly payments
✔️ Cash-Out Refi – replace your mortgage & get cash at today’s rates
🏡 Whether it’s for renovations, debt consolidation, or big financial goals, the right choice depends on YOUR situation.
📲 Call or DM me today and let’s figure out which equity option is best for you!
09/12/2025
🏡 From dream ➝ to keys—one call, one person, all the way.
Buying a home doesn’t have to be overwhelming. I’ll help you:
✔️ Find the perfect home
✔️ Get the best financing options
✔️ Simplify the entire process from start to finish
💡 One trusted advisor. One smooth path to homeownership.
📲 Ask me today about payment options and let’s find your dream house together!
Click here to claim your Sponsored Listing.
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Covington, WA
Opening Hours
| Monday | 8am - 8pm |
| Tuesday | 8am - 8pm |
| Wednesday | 8am - 8pm |
| Thursday | 8am - 8pm |
| Friday | 8am - 8pm |
| Saturday | 8am - 8pm |
| Sunday | 8am - 8pm |
