Being self-employed shouldn't make getting a mortgage harder than it needs to be. I work regularly with business owners, 1099 contractors, and gig-economy earners to find the documentation path — full tax returns, bank statements, or profit-and-loss based — that actually reflects your income.
Who it's for
- Business owners and independent contractors
- 1099 earners and freelancers with variable income
- Borrowers whose tax returns show significant write-offs that lower qualifying income on paper
- Anyone who's been turned down elsewhere because their income didn't fit a standard W-2 box
Key features
- Traditional full-documentation options using two years of tax returns
- Bank statement loan programs that qualify income from deposits rather than tax returns
- Profit-and-loss (P&L) and asset-based options for certain borrower profiles
- Guidance on how business write-offs affect your qualifying income before you apply
- Available for purchase, refinance, and investment property financing
