The Conforming Credit Project

“I built a business that supports my family and three employees. The bank told me I did not make enough money to buy a home. I have been wondering ever since how that math works.”

— GKS Transport

“In 2023 Interest rates and fuel rates went up so fast, I had to fire half my fleet because I couldn’t afford to keep them.”

— Anonymous business owner

“I pay more in taxes than most of my friends earn but the bankers keep referring me out.”

— Sidhu

Share Your Story

The Conforming Credit Project documents how self-employed Americans experience mortgage credit. Your story, shared in your own words, helps build the research record that policymakers, regulators, and journalists rely on. All identifying details remain confidential unless you specifically authorize attribution.

The questions to the right take 5 minutes to complete. If you would prefer to share your story by phone, contact Kiran@wattsadvisor.com.