Mortgages when you are self-employed
If you earn income through business ownership, 1099 work, or variable pay, your tax returns may not tell the whole story. We offer bank-statement and expanded documentation paths for qualifying borrowers—designed to review cash flow responsibly when traditional W-2 income documentation does not fit.
What bank statement programs are for
- Business owners and independent contractors with documented deposits.
- Borrowers with a stable self-employment history (programs often require multiple years—confirm with us).
- Purchase, rate-and-term refinance, and cash-out scenarios when eligible.
What we typically review
- 12–24 months of personal and/or business bank statements (program dependent).
- Business existence documentation and sometimes a CPA letter or P&L (guidelines vary).
- Credit score, reserves, and down payment relative to the program.
Transparency matters
Self-employed underwriting is detail-heavy. We will set expectations early, request documents in organized chunks, and keep you updated as the file moves toward decision.
Next step
Send your business structure (LLC, sole prop, etc.), how long you have been self-employed, and your target loan amount.
Contact us to see what you qualify for
Alternative documentation loan programs are subject to eligibility requirements, including income verification, credit, property, and reserve criteria.
All loans are subject to credit and underwriting approval. Program guidelines, rates, and limits change. This page is for general education and is not a commitment to lend. Ask a licensed loan officer for details that apply to you.