Self-Employed Mortgage Programs
You run your business your way. We think your mortgage should be just as flexible. Discover the premier mortgage for self-employed borrower scenarios tailored specifically for entrepreneurs.
Finding Your Best Option
Our first step is always to comprehensively review your financial situation. If we can secure the absolute best deal for you using a standard, full-documentation loan, that is our primary goal. But a common question we get is: "How do lenders calculate self-employed income?" Usually, they look at two years of tax returns, which can hurt you if you took smart write-offs. That's when we pivot to our alternative documentation options below.
📉 Overcoming Declining Income
Often borrowers ask, "Can I qualify for a mortgage with declining income?" With traditional banks, it is incredibly difficult. With our alternative programs, we look at current cash flow, bypassing past tax years.
📊 P&L (Profit and Loss) Loans
Instead of tax returns, we use a 12-month P&L statement prepared by a tax professional. We even have options available that do not require a tax professional to prepare your statements!
📈 Asset Utilization Loans
This program reviews your overall financial health and liquid assets (like stocks, bonds, and retirement accounts) to calculate qualifying income rather than relying strictly on monthly revenue.
📝 1099 Expense Ratio Loans
Tailored for independent contractors. By relying directly on your 1099 forms and applying a standard expense ratio, we can determine your earning power without complex tax documentation.
Success Stories
Speak with a Specialist
Fill out the form below and an alternative-doc expert will reach out to discuss which program fits your unique cash flow.
