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ATTENTION: SELF-EMPLOYED
Take the stress out of getting a home loan when you're self-employed
Specialized mortgage help for self-employed borrowers—we guide you through documentation, low-rate options, and pre-qualification designed for your income situation.
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Top 5 resources for self-employed buyers:
1️⃣ Pre‑qualification tailored for your income setup
Pre‑qualification tailored for your income setup
Get a clear understanding of your buying power—even with 1099 income or variable earnings. Know your numbers upfront.
Real estate agent referrals experienced with self-employed clients
2️⃣ Real estate agent referrals experienced with self-employed clients
Connect with agents who know how to showcase your financials to sellers and lenders.
Step‑by‑step guide: Self‑Employed Buyer’s A→Z Timeline
3️⃣ Step‑by‑step guide: Self‑Employed Buyer’s A→Z Timeline
From compiling profit & loss statements to submitting bank statements, everything is laid out clearly for your situation.
Real‑time interest rates and self-employed loan products
4️⃣ Real‑time interest rates and self-employed loan products
Track rates and programs like bank‑statement loans, and see which are a fit for independent income.
Smart calculators for freelancers & small-business owners
5️⃣ Smart calculators for freelancers & small-business owners
Estimate debt-to-income ratios, reserve requirements, and affordability—all tuned to self‑employment.
Buying a home as a self-employed individual
Home Loans Designed for Entrepreneurs, Freelancers & 1099 Earners
Here’s what we don’t do:
🚫 Inflate costs because you're self-employed
🚫 Leave you stranded with missing documentation
🚫 Offer only a single loan option
Here’s what we do offer:
✅ Fast pre-approvals acknowledging self-employment income
✅ Competitive rates and clear breakdowns
✅ Personalized advice on what documentation to provide
✅ Multiple loan types (bank-statement, stated-income, conventional)
✅ Honest, responsive guidance throughout the process
Where do I start?
Begin with our A→Z Self‑Employed Buyer Timeline. It shows you what records you’ll need and when—to stay ahead of the curve.
Should I talk to an agent or loan officer first?
Definitely talk to a loan officer. Self-employed documentation requirements can affect your budget—and many agents won’t show you homes until you’re pre-approved.
What does it cost to qualify?
It depends. Down payments still vary by program, but your closing costs may increase if additional documentation is required. Use our calculators to estimate.
How do I know how much I can afford?
Freelancers and business owners can have fluctuating income—our calculators factor in average earnings and reserves so you’re shopping with confidence.
What should I ask your team?
Ask anything—like which income documents your lender will need, how to smooth out income swings, or whether a bank‐statement loan is your best choice.
Why does being self-employed make buying more complex?
Lenders want proof and consistency—P&Ls, tax returns, business verification. We help translate irregular income into a strong mortgage application.
How do interest rates affect me?
Self-employed borrowers may have access to specific loan products. We’ll show you how different rates and loan structures can work for your finances.
Which loan option is right for me?
Options include bank-statement loans, stated-income, conventional, FHA, and more. We guide you through them and how each aligns with your documentation.
How much down payment should I plan for?
It varies: conventional may need 3–20%, FHA 3.5%, USDA/VA 0%. Self-employed buyers might also want to maintain stronger reserves—our advisors can help you find the right balance.
Is now a good time for me?
Market timing matters less than your readiness. As a self-employed buyer, focus on stable income history (2+ years preferred), sufficient reserves, and a plan to stay put for several years.
What if I’m not ready yet?
Start by organizing your financials—tax returns, P&L statements, business bank records. You can build a stronger case for lenders while you prep.
What credit score do I need?
Typically 620+ for conventional, 500+ for FHA/VA/USDA. As a self-employed borrower, good credit can help offset irregular income.
You deserve a smooth, confident path to homeownership.
Getting pre-qualified is quick—about 10 minutes—and helps you shop with real numbers, even as a self-employed borrower. We’ve helped hundreds of freelancers, contractors, and business owners succeed. Want help with your unique situation?
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