Self-employed borrowers often have strong income but may not qualify under traditional mortgage guidelines that rely heavily on tax returns. Our self-employed loan programs provide flexible qualification options using bank statements, profit and loss statements, or other alternative income documentation. These programs are designed for business owners, entrepreneurs, freelancers, and independent contractors who need financing for primary residences, second homes, or investment properties while maximizing their true earning potential.
Bank Statement Loans are designed for self-employed borrowers and entrepreneurs who may not show traditional income on tax returns. Instead of W-2s, you can qualify using 12–24 months of bank statements, making it easier to secure financing while maximizing your real income.
Profit & Loss Loans are designed for self-employed borrowers who may not qualify using traditional tax returns. Instead of full documentation, you can qualify using a CPA-prepared P&L statement, making it easier to secure financing while reflecting your true business income.
1099 Loans are designed for independent contractors and freelancers who may not show income through W-2s. Instead of traditional documentation, you can qualify using your 1099s, making it easier to secure financing while capturing your actual earnings.
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