Flexible Self-Employed Mortgages
Get the home financing you need. NO TAX RETURNS necessary.
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Our Program Highlights
Perfect for business owners and freelancers who need flexible income documentation options.
- Loan Amounts: from $200k up to $10M
- Geography: Nationwide in ALL 50 States
- Property Types: Residential, Commercial
- Occupancy: Primary Residence, Second Home, Investment Property, no operating history required on STRs
- LTVs: Up to 90% (Acquisitions/Rate-Term Refi), 80% (Cash-Out)
- DTI: 50-55%
- Credit Score: 660 minimum
Do You Qualify for this Loan?
Here is what you need in order to qualify for this product. Even if you don’t meet all of these criteria, don’t hesitate to reach out to see how we can help.
You’ll need a 660 score or better to qualify, with flexibility for strong financials.
Down payments start at 10%, depending on credit and loan amount.
You’ll need around 1-3% of the amount you’re financing for closing costs.
Less than 55% of your income should be going to pay debt.
Frequently Asked
Questions
Answers to questions about this loan we heard
from people like you during research.
A self-employed mortgage is a type of home loan designed specifically for entrepreneurs and self-employed professionals. Self-employed borrowers often face more challenges when trying to qualify for a mortgage, because they may have less predictable income than a regular W2 employee. A self-employed mortgage can help these borrowers get approved for a home loan by taking into account their unique financial situation.
For a self-employed jumbo loan, here is what you will need to provide:
- Minimum of 12 months business or personal bank statements
- Minimum of 1 year of Profit and Loss Statement Balance
- Minimum of 1 year 1099
Also required:
- 2 months personal asset statements
- Drivers license
- CPA letter to attest to your ownership
For a bank statement loan, here is what you will need to provide:
- Minimum of 12 months business or personal bank statements
- Minimum of 1 year of Profit and Loss Statement Balance
- Minimum of 1 year 1099
Also required:
- 2 months personal asset statements
- Drivers license
- CPA letter to attest to your ownership
Most lenders prefer at least two years of self-employment history, but exceptions may be made for borrowers with one year if they have industry experience and strong financials.
There are a number of mortgage programs available for the self-employed, and most of them offer great interest rates. So if you're self-employed, don't assume that you can't get a mortgage. Talk to one of our mortgage specialists and see what options are available to you. You may be surprised at how affordable a mortgage can be.
There is no definitive answer to this question as it will depend on the underwriter's individual assessment of your file. In general, however, you will need to provide 2-3 years of self-employment income history in order to be approved for a mortgage. We can help you use bank statements to qualify for a mortgage without tax returns.
All 50 States, Covered.
Our loan officers are licensed in all 50 states, so no matter where you are - we have you covered.
See Our Recent Fundings
We’ve helped hundreds of clients get the funding they need to purchase their next property. You could be next.
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