SELF-EMPLOYED MORTGAGES
Your write-offs are great for taxes.
They shouldn’t cost you a mortgage.
Bank statements, 1099s, a CPA-prepared P&L, or two years of tax returns — we qualify self-employed borrowers on whichever proof of income actually fits how your business runs.
Four ways to qualify — pick what fits your business
Bank Statement Loan
Qualify on 12–24 months of personal or business bank deposits. No tax returns needed — your real cash flow does the talking.
1099 Income Program
Freelancers and contractors qualify on 90–100% of gross 1099 earnings. Your deductions don’t shrink what counts, unlike a tax-return loan.
P&L Statement Loan
A CPA-prepared profit & loss statement can qualify established businesses with clean books — often with lighter paperwork than a bank statement review.
Full-Doc Conventional or FHA
Two solid years of tax returns still unlock the best rates and lowest down payments — worth a look even if your return shows a lower net.
How it works
1. Tell us about your business
15 minutes on the phone — no paperwork required yet.
2. We match you to a path
Bank statements, 1099s, P&L, or full-doc — whichever gets you the best terms.
3. Close in weeks
Most self-employed files fund in 3–6 weeks once documentation is in.
Banks see your tax return. We see your business.
Bring 12 months of bank statements (or your 1099s) and 15 minutes. We’ll show you exactly what you qualify for.
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