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Your roadmap - start to ownership

Home Loans for the Self-Employed

{{example.programsCount}} programs built for business owners and independent contractors. Tax returns do not have to tell the whole story.

Program options for the self-employed

Program Income document History required Best for
Bank-Statement Personal or business bank statements 12 or 24 months Business owners whose write-offs make tax returns look low
Profit-and-Loss (P&L) CPA-prepared profit-and-loss statement 12 months Business owners with clean books and an accountant
1099-Only 1099 forms (no full returns required) 1-2 years of 1099s Independent contractors and freelancers with consistent 1099 income
Asset-Based Bank and investment account statements Varies by lender Business owners with significant liquid assets

Pre-approval roadmap

1

Income review

We map your income structure to the program that fits.

2

Document prep

Gather statements, business verification, and ID.

3

Income calculation

We run your qualifying income under the matched program.

4

Pre-approval letter

In hand, typically 3-5 days after documents received.

5

Shop & offer

Your Realtor partner guides the search; write a strong offer.

6

Underwriting + appraisal

File reviewed, property value confirmed.

7

Clear to close

Final approval - closing is scheduled.

8

Keys in hand

You are a homeowner. Now the wealth engines run.

What to bring to your first call

For a bank-statement loan

  • 12 or 24 months of bank statements
  • Business license or CPA letter confirming self-employment
  • Government-issued ID and proof of down payment funds

Helpful for our first conversation

  • Rough annual gross deposits (not net income)
  • Years self-employed; separate business/personal accounts?
  • Target price range and down payment amount

Common mistakes to avoid

  • Maximizing write-offs the year before applying
  • Mixing personal expenses in the business account
  • Large unexplained deposits without a paper trail
Example annual deposits
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Programs available
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Qualify on
Bank statements or P&L
What you provide
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Scan for your free self-employed pre-qualification

Scan to find where you are

We match your income structure to the right program and map a clear path to pre-approval - soft pull, no cost.

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{{compliance.pendingLabel}}   Equal Housing Opportunity. {{lo.company}}, NMLS #{{lo.nmls}} (Company NMLS #{{compliance.companyNmls}}). Figures and the example household are hypothetical and for illustration only; not an offer, quote, or guarantee. Loan program availability, qualifying income calculations, and rates vary by lender, borrower profile, and market conditions. Bank-statement, P&L, 1099, and asset-based programs are non-QM or portfolio products and may carry higher rates than conventional loans. Rates are illustrative only, not a commitment to lend. All loans subject to underwriting approval. Consult a tax advisor regarding mortgage interest and business deduction strategies. This co-marketed seminar is cost-split by fair market value of promotion per RESPA; no party pays for referrals. NMLS Consumer Access: www.nmlsconsumeraccess.org.