Being self-employed doesn't mean you can't get a great mortgage. You just need a broker who knows the right loan products — not a bank that only understands W-2s.
Banks rely on W-2 income. Most self-employed borrowers write off expenses legally — which makes taxable income look lower than it really is. We use loan products built for how you actually earn.
We use 12–24 months of bank statements to calculate your income — not your tax returns. Perfect if write-offs reduce your taxable income significantly.
Most popularFreelancers, contractors, gig workers — we can use your 1099 income directly instead of tax returns to qualify you.
A CPA-prepared profit and loss statement can substitute for traditional income verification. Close in as little as 30 days.
Significant liquid assets? We can use savings, investments, or retirement accounts to qualify instead of income.
For investors — qualify based on rental income of the property, not your personal income at all.
If self-employed 2+ years with strong tax returns, a standard conventional loan may still be your best rate option.
We have 90+ lenders for a reason. Let's find the right one for how you actually earn.
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If rates drop, so could your payment. We monitor the market and tell you when to act.
Wholesale pricing passed directly to you — better than any single bank can offer.
Most buyers qualify for $5,000–$15,000+ in assistance. We find every program and stack them.