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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

★★★★★

"I'm self-employed, so getting financing for a new construction condo in Redondo Beach came with its own set of hurdles. Rakesh handled it using alternative documentation and got it done. But what really stood out was how he managed the whole process. He was the quarterback. He kept tabs on everyone involved, the escrow, the title, the insurance people, making sure nothing fell through the cracks and that everything stayed on track to close on time. A diligent mortgage broker to know, with great follow through and the kind of person who actually coordinates well between all the moving parts. I felt at ease with him in my corner. A 5 star service for homebuyers!"

DM
Drew Manier
Google Review
★★★★★

"I was introduced to David at Insider Mortgage by my real estate agent as a first-time homebuyer, and I chose to work with him because of how clearly he explains everything. He breaks down every scenario and option so you can truly understand the mortgage process. Unlike other lenders who send a short email about rates and credits, David records detailed videos covering refinancing scenarios and loan programs, including bank statement loans for 1099 business owners. He gives honest guidance, even advising friends to wait on a purchase when market conditions suggested prices would drop. That level of transparency made me confident in working with him and recommending him to others. David’s professionalism and straightforward approach make him stand out as a top mortgage professional in Southern California. He takes the time to educate clients so even first-time buyers can understand complex financial details. By the end of the process, I felt informed and empowered, and my friend also gained valuable insight through his guidance. We purchased a home with a pool and partial ocean view, and I would absolutely call David again or recommend Insider Mortgage to anyone looking for a trusted mortgage lender."

SA
Sam Alnweiran
Google Review

Explore Other Specialty Programs

First-Time Home BuyersMortgages for RealtorsMortgages for Gig WorkersMortgages for Small Business OwnersMortgages for LLC OwnersMortgages for S-Corp OwnersDSCR Investment Property Loans

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