Self-Employed Mortgage Options
Programs aligned to business cash flow and ownership structures.
Entrepreneurs · Documentation match
View Program →Mortgage Types
Find your situation below, and I’ll match you to the loan that fits. As a mortgage broker licensed in CA, CO, TX, FL, GA, NC, SC, TN and VA, I shop hundreds of lenders so you don’t have to.
SELF-EMPLOYED & BUSINESS OWNERS
Bank Statement Loan
Qualify using deposits instead of tax returns for self-employed borrowers.
12 mo statements · Up to $4M
View Program →1099 Mortgage
Consultants and freelancers can qualify using 1099 income documentation.
1099 income · Non-W-2
View Program →P&L Only Loan
Business owners may qualify using a prepared P&L when permitted by guidelines.
Operator income · Investor rules
View Program →Asset Qualifier
Qualify on your savings and investments instead of a paycheck. Up to $4M.
No paycheck needed · Sold a business or retired
View Program →Non-QM Loan
What non-QM means, what it costs and which one fits you, including after a bankruptcy or foreclosure.
Bank statements, 1099s or savings · After a credit event
View Program →REAL ESTATE INVESTORS
DSCR Rental Property
Qualify from rental income with documentation focused on the property performance.
No W-2 · Investors
View Program →DSCR Short-Term Rental
Short-term rental income may qualify when documented to investor standards.
STR · Market dependent
View Program →Foreign National Loan
Financing for non-U.S. citizens with investor-specific documentation requirements.
International · Investor rules
View Program →JUMBO & LUXURY
Jumbo Loan
High-value financing above conforming limits with multiple qualification paths.
$800K–$4M+ · Reserves matter
View Program →Jumbo Plus
Expanded jumbo options for qualified borrowers with stronger credit and liquidity.
High loan amounts · Investor specific
View Program →Interest-Only Loan
Pay only interest for the first 10 years, then pay down when the big checks come in. Up to $3M.
Seasonal or bonus income · Lower required payment
View Program →Physician Loan
Designed for doctors transitioning into practice with unique employment considerations.
Medical professionals · Flexible structure
View Program →VETERANS & GOVERNMENT
VA Loans
Zero down, no PMI for eligible veterans and active-duty service members.
$0 down · No PMI
View Program →FHA Loans
Purchase and refinance paths with flexible guidelines for qualifying borrowers.
Lower down payment · Primary homes
View Program →USDA Loans
Zero-down options for eligible rural properties and income-qualified borrowers.
Rural eligibility · Income limits
View Program →TRADITIONAL
Conventional Loan
Strong options for borrowers who fit agency guidelines with competitive terms.
W-2 & self-employed · PMI options
View Program →High-Balance Conforming
Financing above baseline conforming limits in designated high-cost counties.
County limits · Agency delivery
View Program →2-1 Buydown
Lower payments early with a planned step-up — must match seller concessions and guidelines.
Temporary buydown · Seller concessions
View Program →HOME EQUITY & REFINANCE
HELOC
Access equity with a revolving line — structure depends on lender and LTV.
Revolving · Second lien
View Program →Bank Statement HELOC
Self-employed equity access using bank statement documentation where available.
Self-employed · Equity access
View Program →Cash-Out Refinance
Tap equity for consolidation, investment, or renovation with clear LTV guidance.
Equity · LTV rules
View Program →OTHER PROGRAMS
Down Payment Assistance
Layer eligible assistance with qualifying first-lien financing when program rules allow.
First-time buyers · Eligibility rules
View Program →Construction Loan
Build or renovate with staged disbursements and a clear draw schedule.
Draws · Builder coordination
View Program →Reverse Mortgage
For eligible homeowners — counseling required — understand obligations and impact.
Seniors · Counseling required
View Program →Fresh Start Home Loan
Paths for borrowers rebuilding credit and documentation strength — eligibility varies.
Credit rebuild · Program-specific
View Program →Ready to Find Out Where You Stand?
Soft credit pull option. No commitment. Just a straight answer on whether I can get you approved, and what it'll take.