Self-employed borrower loans are designed to evaluate your income differently than traditional mortgages. Instead of relying on W-2s or a fixed salary, lenders look at alternative forms of income verification that better reflect your business and cash flow.

Here’s how it typically works:

Income Verification Options: You can qualify using tax returns, bank statements (usually 12–24 months), 1099s, or a profit & loss statement prepared by your accountant.

Flexible Documentation: Since every business is different, we offer customized documentation options to suit your financial situation—no cookie-cutter requirements.

Loan Program Matching: Once we assess your income and credit profile, we’ll match you with a loan program that fits—whether you're purchasing, refinancing, or investing.

Underwriting and Approval: We work with lenders experienced in self-employed loans, so underwriting is done with a deeper understanding of business income, deductions, and write-offs.

Closing With Confidence: With expert guidance throughout the process, you'll be fully supported from application to closing.