Sound Familiar?
The Problem With Traditional Lenders
Most banks and big lenders are built for W-2 employees. If any of these describe you, you've come to the right place.
Taxes show lower income than you actually earn
Turned down by a bank or traditional lender
Income varies significantly year to year
You write off a lot of business expenses
You own multiple businesses or income streams
You're a first-time buyer who's always been self-employed
We have a loan program for every one of these situations.
Available Programs
Self-Employed Loan Paths, Compared
Bank Statement Loans
Qualify using 12–24 months of personal or business bank statements instead of tax returns. Your deposits tell the real income story.
Best For
Business owners, freelancers, and contractors whose tax returns understate true income
1099 Income Loans
Use your 1099 forms and gross income — not net after deductions — to qualify for a mortgage.
Best For
Independent contractors, gig workers, and commission-based earners
Profit & Loss Loans
Qualify based on a CPA-prepared P&L statement showing your business income over 12–24 months.
Best For
Business owners with strong revenue but significant write-offs on taxes
Asset-Based Loans
Use your liquid assets — savings, investments, retirement accounts — as the income qualifier.
Best For
High-net-worth borrowers with significant assets but low reportable income
DSCR Loans (Investment)
For self-employed investors buying rental properties — qualify on the property's income, not yours.
Best For
Self-employed real estate investors who want to separate business from personal income
Traditional Income Verification
If your tax returns do show qualifying income, we also offer conventional, FHA, and VA loans.
Best For
Self-employed borrowers with 2+ years of strong tax return history
How It Works
A Loan Process Built for How You Actually Earn.
01
Share Your Income Picture
Tell us how you earn — business ownership, freelance, 1099, mixed income — and how long you've been self-employed.
02
We Find Your Path
We compare every self-employed loan program that fits your income documentation and goals.
03
Move Forward With Confidence
Get a solid pre-approval based on what you actually earn — not what the IRS sees.
Common Questions
Self-Employed Loan FAQ
Free Consultation
Get a Loan Review Built for Your Income
We'll review your income type, documentation, and goals. Takes 60 seconds. A specialist will reach out within 1 hour. We will show you every self-employed loan path available.
Client Stories