Self-Employed Borrower
Your tax returns show the lowest possible income — your bank account tells a different story. We have loan programs specifically designed for business owners, freelancers, and entrepreneurs who've been turned down by traditional banks.
Mortgages for the Self-Employed
If you're self-employed, you've likely experienced the frustration of being told your income "doesn't qualify" — even when your business is thriving and your bank account proves it. Traditional lenders rely heavily on tax returns, which often understate income due to legitimate business deductions.
At The Mortgage Zone, we specialize in non-traditional income documentation. Our bank statement loan programs allow you to qualify using 12 or 24 months of personal or business bank statements, reflecting your actual cash flow rather than your adjusted gross income.
We've helped hundreds of business owners, consultants, freelancers, and gig workers secure mortgages they were told they couldn't get. The right program exists for your situation — we'll find it.
Loan Programs for Self-Employed
- Bank Statement Loans — 12 or 24 months of deposits
- 1099 Income Loans — qualify on contractor income
- P&L Only Loans — CPA-prepared profit & loss statement
- Asset Depletion — qualify using liquid assets
- Conventional with full tax return documentation
- DSCR Loans for investment properties
Who We Help
- Business owners and entrepreneurs
- Independent contractors and 1099 workers
- Freelancers and creative professionals
- Consultants and coaches
- Gig economy workers (Uber, DoorDash, etc.)
- Real estate professionals and agents
Income Documentation Options
Multiple ways to prove your income — we'll find the one that works best for your situation.
Bank Statement Loans
- 12 or 24 months of bank statements
- Personal or business accounts accepted
- No tax returns required
- Up to 90% LTV on primary residence
- Business license or CPA letter required
1099 & P&L Loans
- 1099 income averaged over 1–2 years
- CPA-prepared P&L statement accepted
- Ideal for contractors and consultants
- Simpler documentation than bank statements
- Competitive rates for strong profiles
Conventional with Tax Returns
- If your returns show sufficient income
- 2 years of business and personal returns
- Business ownership % documented
- Standard conventional pricing for qualified borrowers
- Fannie/Freddie guidelines apply
Don't Let Tax Write-Offs Cost You Your Home
We'll find the income documentation approach that gets you the best possible loan — no tax returns required.
No credit pull required. NMLS #2697124
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