Mortgage Solutions Built for Self-Employed Borrowers
Fast approvals, flexible documentation, and expert loan placement designedfor entrepreneurs, freelancers, and business owners.
Home Loans Designed for the Self-Employed
Because self-employed income often looks different on tax returns, we work with an extensive network of investors to match each borrower with the program that best fits their financial profile.
Whether you are purchasing a home or refinancing an existing mortgage, we help you navigate flexible documentation options and secure competitive loan programs.
Who These Loans Are For
Our mortgage programs are ideal for:
- Self-employed borrowers whose tax returns don’t fully reflect their income
- Business owners and entrepreneurs
- Freelancers and independent contractors
- 1099 employees
- Gig economy workers
- Buyers who need faster approvals or flexible income verification
These programs allow you to qualify based on real income patterns rather than traditional W-2 requirements.
Alternative Documentation Options
When standard two-year tax returns aren’t ideal, we offer several alternative documentation programs:
Flexible Ways to Qualify
1 Year Tax Return Program
Qualify using a single year of tax returns instead of the standard two years.
Asset Depletion
Use your liquid assets to demonstrate repayment ability.
Profit & Loss Statement
Use a P&L statement prepared by your tax professional to verify business income.
No Income
Investor-sponsored options available for certain borrowers.
Bank Statement Loans
Qualify using 12 or 24 months of personal or business bank statements.
Key Loan Features
Eligible Property Types
- Down payments starting from 10% (program dependent)
- Minimum credit scores from 620 (varies by program)
- Fast approval process with income reviewed before pre-approval
- Loan amounts up to $3,000,000
- Access to a wide network of investors to find the best program and interest rate
Our process is designed to give you confidence and speed when making offers on a home.
Our programs support a wide range of property types:
- Single-Family Homes
- Townhomes
- Condominiums (Warrantable & Non-Warrantable)
- Manufactured Homes
Ready to See What You Qualify For?
Get a fast income review and customized pre-approval strategy designed specifically for self-employed buyers and business owners.
Our Services
Benefits for Homebuyers and Refinancing
Purchase a Home With Confidence
Self-employed buyers often face additional hurdles when applying for a mortgage. Our alternative documentation programs help streamline the process so you can secure financing faster and compete confidently in today’s market.
Refinance With Greater Flexibility
If you’re already a homeowner, refinancing with alternative documentation can help you:
- Access home equity
- Lower your monthly payments
- Consolidate debt
- Improve cash flow for your business
Our Awards :
Why Work With Our Senior Loan Officers
Working with our experienced loan professionals provides several advantages:
Deep Expertise
Extensive experience with alternative documentation programs and investor guidelines.
Investor Network
We broker to multiple lenders to find the best approval options and pricing.
Personalized Strategy
We help determine the most effective documentation path for your situation.
Faster Pre-Approvals
Income is reviewed and validated before issuing your pre-approval letter.
How It Works
Our Simple Process
Step 1
Initial Consultation
We review your business income, financial profile, and homeownership goals.
Step 2
Documentation Strategy
We determine the best qualification method — bank statements, P&L, asset depletion, or tax returns.
Step 3
Income Approval
Your income is validated before a pre-approval is issued.
Step 4
Program Placement
We broker your file to the investor offering the best loan program and Interest rate.
Step 4
Processing & Closing
Our team guides your loan through underwriting and closing efficiently.
Get Started
Ready to Buy or Refinance?
If you’re self-employed and ready to purchase a home or refinance your current mortgage, our Senior Loan Officers are ready to help.