Self-Employed Doesn't Have to Mean Limited Mortgage Options.
Running your own business can make mortgage financing more complicated—but it doesn't mean you should be forced into a one-size-fits-all solution.
With access to 100+ lenders, I can evaluate conventional financing as well as alternative documentation programs that may be available for qualified self-employed borrowers. We'll look at how you earn income, how your business is structured, and which financing options may fit your situation.
More Ways to Qualify
Traditional tax-return income isn't the only way some self-employed borrowers may be able to qualify. Depending on the loan purpose, property, credit profile, and other factors, we can explore multiple documentation approaches.
Traditional Income Documentation
For borrowers who qualify using tax returns and traditional income calculations, we'll evaluate conventional and other available mortgage programs.
Bank Statement Programs
Some qualified self-employed borrowers may be able to use eligible business or personal bank deposits to help document income rather than relying solely on traditional tax-return calculations.
1099 & Alternative Documentation
Depending on your situation and available loan programs, 1099 income and other alternative documentation methods may provide another path to qualification.
Investment Property / DSCR
Purchasing or refinancing an investment property? Certain DSCR programs may qualify the property primarily using its rental income rather than the borrower's traditional personal income.