Flexible Self-Employed Mortgages
Get the home financing you need. NO TAX RETURNS necessary. Our unique mortgage solutions allow you to use the cash flow of your business as opposed to the net income on your taxes.
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Financing that reads your real income.
Perfect for business owners and freelancers who need flexible income documentation options.
Property Types
Residential & commercial
Occupancy
Primary, second home & investment
Income Docs
Bank statements, P&L or 1099
Qualify Without Tax Returns
Use 12 months of bank statements, a P&L, or 1099s in place of W2s and tax returns.
$200K–$10M
Flexible loan amounts
Financing up to 90% LTV
Documented Your Way
Qualify with bank statements, a P&L, or 1099s — no tax returns required.
NationwideAvailable Nationwide
Lending in all 50 states.
Common-Sense Qualifying
Approval built around strong borrowers — not just a checklist.
From 10%
Down payment
50–55%
DTI
660+
Credit score
Do you qualify for this loan?
Here's what you need to qualify. Even if you don't meet every criterion, reach out — we'll help you find a path that works.
660+
Credit
You'll need a 660 score or better to qualify, with flexibility for strong financials.
From 10%
Down Payment
Down payments start at 10%, depending on your credit and loan amount.
1–3%
Closing Costs
Plan for roughly 1–3% of the amount you're financing to cover closing costs.
Under 55%
Debt
Less than 55% of your income should be going toward paying debt.
Frequently asked questions
Answers to the questions we hear most often about self-employed mortgages.
For a self-employed jumbo loan, here is what you will need to provide:
- Minimum of 12 months business or personal bank statements
- Minimum of 1 year of Profit and Loss Statement Balance
- Minimum of 1 year 1099
Also required:
- 2 months personal asset statements
- Drivers license
- CPA letter to attest to your ownership
Still have questions? Talk to a real person on our team.
Start My ApprovalRecent Fundings
We are committed to helping individuals and families achieve their homeownership goals.
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Location:
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Project name:
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Location:
Chatsworth, CA
Closing amount:
$1,800,000
Project name:
Bank Statement
Location:
Key West, FL
Closing amount:
$3,500,000
Project name:
Bridge Loan
Location:
New York
Closing amount:
$3,000,000
Project name:
Bank Statement
Location:
Colorado
Closing amount:
$2,400,000
Project name:
Single Family Home
Location:
FL
Closing amount:
$2,200,000
Project name:
Bank Statement
Location:
Brigantine, NJ
Closing amount:
$2,135,000
Project name:
Bank Statement
Location:
Escondido, CA
Closing amount:
$2,000,000
Project name:
Bank Statement
Location:
Stratton, VT
Closing amount:
$1,904,000
Project name:
Bank Statement
Location:
Chatsworth, CA
Closing amount:
$1,800,000
Learn before you borrow
Guides and insights to help you qualify with confidence and pick the right program.
Ready to get started?
Talk to a real person from our team right now.