Self-Employed Borrowers
Your Business Is Successful. Let's Find a Mortgage That Understands Your Income.
Business owners, independent contractors, and self-employed borrowers often run into mortgage guidelines that don't fit how they earn. I specialize in alternative financing programs designed around your real income.
Eligibility depends on applicable loan program, investor, and underwriting guidelines. Nothing here is a promise of approval or a guarantee of financing.
Why bank statement and 1099
Not every borrower fits inside a traditional mortgage box.
That's why I work with a variety of alternative financing programs designed to help borrowers explore different ways to qualify. Traditional W-2 income isn't the only way to demonstrate earning power.
12-Month Bank Statement Loans
- Qualify using eligible personal or business bank statements.
- Great options for self-employed borrowers.
- Alternative income documentation.
- Income calculations based on applicable program guidelines.
24-Month Bank Statement Loans
- Eligible personal or business bank statement documentation.
- Alternative income calculations.
- Options for business owners and self-employed individuals.
- Flexible documentation depending on the program.
1099 Mortgage Programs
- Designed for independent contractors and 1099 earners.
- Alternative income calculations.
- Options for borrowers without traditional W-2 income.
- Flexible documentation depending on the program.
How we qualify your income
I focus on understanding your real financial picture.
Self-employed income comes in many forms. I take the time to understand yours before identifying potential financing options.
Your income
Business and personal cash flow, deposits, and earnings.
Your business
How the business operates and documents its finances.
Your credit
Your credit profile and how it fits the program.
Your goals
The property and the timeline that work for your family or portfolio.
Self-employed? Business owner? Independent contractor? Real estate investor? No problem. Let's explore the right mortgage program for you.
The next step
Your income is real. Let's put it to work.
Tell me about your business and your home goals. I'll help you understand which programs may fit and exactly what documentation would be needed.
See what a payment could look likeTell me about you
Fill out the form and I'll get back to you with a clear next step. Hablamos español.