Self Employed Loan Programs
For 1099 recipients, P&L users or qualify using assets.
Bank Statement Programs
See how you can qualify without having to show tax returns.
Investor DSCR or Rental Income Loans
Perfect for investors who want tenant rent to cover mortgage.
Prime Jumbo and Super Jumbo Mortgages
For high-income earners who make $250,000+ a year.
Reverse Mortgages
For homeowners to leverage the equity in their home.
FHA Home Loans
Popular for first-time homebuyers.
Refinancing
Replace your current home loan with a new one.
Conventional Mortgages/Conventional High Balance
A loan not guaranteed or insured by the federal government.
Fixed-Rate Mortgages
Offers predictability for your budget.
VA Home Loans
Guaranteed by the U.S. Department of Veterans Affairs.
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Mortgages for the Self Employed Borrower
If you receive a 1099, work off a P&L or just want to qualify for a home loan based off your assets click below.
Are you purchasing or refinancing?
Mortgage programs for first home buyers, bank statement, 1099, DSCR, or cashout refinance.
Refinance
Purchase
Please choose an option
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1099 Only
The perfect solution for the 1099'd professional. Realtors, Insurance Pro's, Physicians, Attorneys in private practice, Independent contractors of any sort, who are 1099'd can benefit from this program. It's even easier than the bank statement program as it streamlines the paperwork requirement. Simply provide your last two years 1099's and we use that to calculate income and demonstrate your ability to repay. It's easy! There are of course a few other items required but still much less documentation than any full doc conventional experience.
P & L Only
This is the perfect loan for a business owner, who wants to use the P & L from their business instead of producing bank statements and it is as simple as it sounds. With a CPA prepared P & L we can calculate your income and qualify you, without tax returns, bank statements or 1099's. And it can be used to purchase or refinance, both owner and non-owner properties with ease. These tend to be perfect for retailers, online merchants, small to medium size business owners of any kind!
Sufficient Asset Qualification
This program is perfect for the long time saver, who doesn't currently have qualifying or regular income. If you have enough assets to cover the entire amount of your mortgage and a certain multiplication of your monthly expenses, then you can qualify without having to explain income, show tax returns or produce a bunch of statements. And you are not leveraging your assets to do it.
1099 Only
The perfect solution for the 1099’d professional. Realtors, Insurance Pro’s, Physicians, Attorneys in private practice, Independent contractors of any sort, who are 1099’d can benefit from this program. It’s even easier than the bank statement program as it streamlines the paperwork requirement. Simply provide your last two years 1099’s and we use that to calculate income and demonstrate your ability to repay. It’s easy! There are of course a few other items required but still much less documentation than any full doc conventional experience.
P & L Only
This is the perfect loan for a business owner, who wants to use the P & L from their business instead of producing bank statements and it is as simple as it sounds. With a CPA prepared P & L we can calculate your income and qualify you, without tax returns, bank statements or 1099’s. And it can be used to purchase or refinance, both owner and non-owner properties with ease. These tend to be perfect for retailers, online merchants, small to medium size business owners of any kind!
Sufficient Asset Qualification
This program is perfect for the long time saver, who doesn’t currently have qualifying or regular income. If you have enough assets to cover the entire amount of your mortgage and a certain multiplication of your monthly expenses, then you can qualify without having to explain income, show tax returns or produce a bunch of statements. And you are not leveraging your assets to do it.