Self Employed Loans
We make it easier for business owners and entrepreneurs. Qualify with only 1 year of tax returns, a 12-month rolling P&L statement, or 12-months of bank statements, no need for the standard 2-year average.
About This Program
Self Employed Loans are specifically designed to address the unique challenges that business owners and entrepreneurs face when applying for traditional mortgages. Unlike conventional loans that typically require two years of consistent W-2 income, our Self Employed Loan program recognizes that your income may fluctuate or show differently on paper than your actual cash flow.
We understand that traditional lending criteria often don't reflect the true financial strength of self-employed borrowers. That's why we've developed flexible qualification options that look beyond standard employment verification. Whether you're a freelancer, independent contractor, small business owner, or entrepreneur, we have solutions tailored to your situation.
Our streamlined documentation process means you can qualify with just one year of tax returns, a 12-month rolling Profit & Loss statement, or 12 months of bank statements. This flexibility allows us to work with borrowers who might be turned away by traditional lenders, while still ensuring responsible lending practices.
Key Highlights
Qualify with only 1 year of tax returns instead of the standard 2 years
Alternative documentation: 12-month rolling P&L statement accepted
Bank statement programs: Use 12 months of business bank statements
No need for traditional W-2 employment verification
Flexible debt-to-income calculations that reflect your actual cash flow
Available for primary residences, second homes, and investment properties
Competitive interest rates for qualified borrowers
Loan amounts up to $3 million available
Down payment options starting at 10% for qualified borrowers
Key Features
Tax Return Program
Qualify with just one year of personal
or business tax returns, perfect for newer businesses or those with improving income trends.
P&L Statement Option
Use a 12-month rolling Profit & Loss statement
prepared by your CPA or accountant to demonstrate your business income.
Bank Statement Program
Qualify using 12-24 months of business or
personal bank statements to show your actual cash flow and deposits.
Asset Depletion Option
Combine with our asset depletion program
if you have
substantial assets but variable income..
Ready to Get Started?
Let's discuss your unique situation and see if this program is right for you