๐Ÿ FHA๐ŸŽ–๏ธVA๐ŸฆConventional๐ŸŒพUSDA๐ŸกJumboโญFirst-Time Buyer๐Ÿ”„Refinance๐Ÿ’ตCash-Out๐Ÿ“ˆDSCR๐Ÿ“„Bank Statement๐Ÿ˜๏ธInvestment๐ŸงพSelf-Employed๐Ÿ FHA๐ŸŽ–๏ธVA๐ŸฆConventional๐ŸŒพUSDA๐ŸกJumboโญFirst-Time Buyer๐Ÿ”„Refinance๐Ÿ’ตCash-Out๐Ÿ“ˆDSCR๐Ÿ“„Bank Statement๐Ÿ˜๏ธInvestment๐ŸงพSelf-Employed
Loan Program Education

๐Ÿงพ Self-Employed Mortgage Programs

Mortgage options designed around business-owner income documentation.

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Definition

Self-employed borrowers may qualify through traditional tax returns or alternative documentation depending on the program. Options may include conventional, FHA, bank statement, profit-and-loss, 1099, asset-based, and Non-QM programs.

Who This May Help

Good fit for business owners, contractors, 1099 workers, and entrepreneurs.

What We Review

Review includes business history, income documentation, bank statements, assets, credit, and property details.

Common Documents

  • Driver license or photo ID
  • Recent pay stubs or income documents
  • W-2s, 1099s, or tax returns when needed
  • Bank statements and asset statements
  • Purchase contract if under contract
  • Insurance, tax, and property details when applicable

Important Note

Documentation choice matters. A full review helps determine whether traditional or alternative documentation is stronger.

This page is for education only. Final approval depends on completed application, credit review, income verification, property eligibility, underwriting, and program guidelines.

How the Process Works

1. Start Secure 1003

Complete the secure application so we can review your goals, income, credit, property, and loan needs.

2. Upload Documents

Use the client portal to upload income, assets, ID, contract, insurance, or other required items.

3. Review Options

We compare eligible programs and explain payment, down payment, mortgage insurance, and closing costs.

4. Move Toward Closing

Your file moves through processing, underwriting, conditions, clear-to-close, and closing.

Ready to see if Self-Employed Mortgage Programs fits?

Start the secure application and we will review your options.

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