Self-Employed
Mortgage programs built for how you actually earn.
Bank statement, 1099, DSCR, and alternative documentation programs make homeownership and investing realistic for entrepreneurs, freelancers, and business owners.
Articles in Self-Employed Borrowers
- 7 min read
Mortgage Options for Self-Employed Borrowers
An overview of the main loan types available to entrepreneurs and 1099 earners.
Read article - 6 min read
Bank Statement Loans Explained
How lenders derive qualifying income from your deposits.
Read article - 5 min read
1099 Mortgage Loans
Qualify on your 1099s — no tax returns needed.
Read article - 6 min read
DSCR Loans
The go-to loan for scaling a rental portfolio.
Read article - 4 min read
Profit and Loss Statements for Mortgage Approval
What underwriters expect on a CPA-prepared P&L.
Read article - 6 min read
How Underwriters Calculate Self-Employed Income
The behind-the-scenes math on returns, K-1s, and add-backs.
Read article - 5 min read
Alternative Documentation Mortgage Programs
Beyond bank statement — asset depletion, WVOE, and more.
Read article - 6 min read
Common Reasons Self-Employed Borrowers Get Declined
The pitfalls we see most often — and how to avoid them.
Read article
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