Loan Program

Self-Employed Loans

Complex income shouldn't mean a complicated mortgage. We match self-employed borrowers and business owners with non-QM programs built around how you actually get paid.

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2 minutes No SSN required Free, no obligation

Program Highlights

Non-QM, Built for Real Life

100+

Wholesale Lenders

Access to over 100 wholesale lenders means more than one way to document your income — bank statements, P&L, asset-based, and more.

1099

& Contractor Friendly

1099 income, multiple income streams, and irregular pay schedules are all things we underwrite around regularly, not exceptions we avoid.

Day Average Close

Non-QM doesn't have to mean slow. Our average closing time across all program types is 18 business days.

Who It's For

For Income That Doesn't Fit a Box.

Business owners, 1099 contractors, gig-economy earners, and anyone whose income is real but doesn't show up cleanly on a W-2 — this is exactly the scenario our non-QM programs are designed to solve.

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Program Requirements

Ways We Can Document Income.

There's more than one way to prove you can afford the loan — we'll help you pick the path that gets you the best terms.

Bank statement programs Profit & loss (P&L) only options Asset-depletion qualifying 1099 / contractor income Multiple income stream underwriting No tax returns required (most programs)

FAQ

Self-Employed Loan Questions

Can't find your answer? Reach out directly — we're happy to talk through your specific situation at no charge.

I'm self-employed with multiple income streams — can you still qualify me?

Yes. We regularly combine 1099 income, business ownership income, rental income, and other sources into a single qualifying picture rather than requiring one clean income source.

What if my tax returns show a loss because of write-offs?

That's exactly what non-QM programs exist for. Bank statement, P&L-only, and asset-based programs qualify you without relying on your taxable income figure.

Do I need two years of tax returns?

Not necessarily. Several of our programs don't require tax returns at all, and others accept as little as one year of self-employment history with strong compensating factors.

Is a non-QM loan more expensive than a conventional loan?

Rates can carry a modest premium over conventional financing because of the flexible underwriting, but for many self-employed borrowers it's the difference between qualifying and not qualifying at all.