Home Loans for Self-Employed Borrowers
Business owners, freelancers, and 1099 earners deserve a mortgage that fits how they actually get paid.
- 30+ years of experience
- Tax return and no-tax-return options
- Purchase and refinance
How Self-Employed Mortgages Work
Traditional lenders qualify you on the income shown on your tax returns, after every write-off. For many business owners, that number is far below what they really earn.
We offer several ways to document income, so you can pick the one that shows your true earning power.
Why Work With Us?
More ways to qualify, and a lender who understands business income.
Multiple Income Options
Bank statements, 1099s, P&L statements, or assets.
Keep Your Write-Offs
No need to pay more tax just to qualify for a home.
Freelancers Welcome
Contractors, gig workers, agents, and consultants.
Newer Businesses
Some programs accept as little as one year of self-employment.
Higher Loan Amounts
Financing that fits Southern California home prices.
Expert Guidance
We’ll review your numbers and point you to the best fit.
Which Option Fits You?
Every business is different. These are the most common paths:
- Deposits tell the story: a bank statement loan
- Paid on 1099s: a 1099 income loan
- Your CPA tracks profit: a P&L loan
- Strong savings: an asset depletion loan
- Buying a rental: a DSCR loan
Find Out What You Qualify For
Get a free pre-approval, often the same day. No obligation.
Prefer email? Send us a messageSelf-Employed Mortgage Questions
How long do I need to be self-employed?
Two years is standard. Some programs accept one year if you worked in the same field before.
Can I qualify without tax returns?
Yes. Bank statement loans, 1099 loans, and P&L loans all qualify you without tax returns.
I have high savings but uneven income. What are my options?
An asset depletion loan turns your savings and investments into qualifying income.
Are the rates higher?
Programs that use tax returns have standard rates. No-tax-return programs are non-QM loans and usually cost a little more.
Can I buy an investment property?
Yes. A DSCR loan qualifies you on the property’s rent instead of your personal income.
Run the Numbers First
See what you can afford and what your payment would be.
Get Pre-Approved in 3 Simple Steps
Tell Us Your Goals
Apply online in minutes or give us a call.
We Compare Your Options
We review your finances and find the best loan for you.
Get Your Pre-Approval
Shop for homes and make offers with confidence.