Self-employed mortgages that actually work.
Business owners, freelancers, and entrepreneurs face unique mortgage challenges. We specialize in alternative documentation pathways that reflect how you actually earn.
Self-employed loan options
Bank Statement Loan
Use 12-24 months of business bank statements to verify income. Ideal for freelancers and solo entrepreneurs.
Best for:
Freelancers, consultants, sole proprietors
K-1 Analysis
For partners in partnerships and S-corps, we can analyze K-1 schedules and ordinary income for qualification.
Best for:
Business partners, S-corp owners
Profit & Loss Statement
Use signed profit & loss statements from your CPA in lieu of full tax returns. Great for newer businesses.
Best for:
New business owners, 1099 contractors
Conventional Financing
If you have 2 years of stable self-employed income on tax returns, conventional loans with competitive rates are available.
Best for:
Established business owners
Documentation requirements
Bank Statement Program
- 12-24 months of business bank statements
- 2 years of personal tax returns
- Proof of business registration (if applicable)
- Explanation of any large deposits
K-1 Analysis
- 2 years of K-1 forms
- 2 years of personal tax returns
- Corporate/partnership tax returns
- Year-to-date profit & loss
P&L Program
- Signed P&L from CPA (12-24 months)
- 2 years of personal tax returns
- Business license or registration
- Client contracts or retainer letters
Tips for self-employed buyers
- Maintain clean, consistent business bank accounts
- Keep detailed records of business expenses
- Consider incorporating if you haven't already
- Build business credit separate from personal
- Avoid large purchases before closing
- Work with a CPA who understands mortgage docs
Why Self-Employed Loans Work
Traditional lenders only look at tax returns, which often understate your true income due to aggressive deductions.
We look at the actual money coming in — because that's what matters for mortgage qualification.
The self-employed path to homeownership
Income Analysis
We review your documentation and identify the best loan program for your situation.
Program Selection
Choose between bank statement, K-1, or P&L programs based on your documentation strengths.
Pre-Approval
Get a solid pre-approval letter that reflects your true income potential.
Home Purchase
Close on your home with confidence, knowing your income documentation is solid.
Self-employed mortgage questions
Ready to buy despite what traditional lenders say?
Let's find a mortgage program that works with your self-employed income.