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With rising home values and low mortgage rates, the timing is ideal to refinance or buy a home. Spoiler alert: If you’re self-employed, be prepared for the amount of requested information and analysis that awaits you.“Surprises are foolish things. The pleasure is not enhanced, and the inconvenience is often considerable.” This quote from Jane Austen sums up the mortgage process for business owners and self-employed individuals since the 2008 financial crisis. Borrowers are often surprised and overwhelmed when they learn about the new mortgage process. Additional information to disclose, a higher degree of scrutiny and longer lead times is the new reality. The good news is that information is power and preparation is the key to success. Get a head start in navigating the mortgage process with these five tips.