Self-Employed? No tax returns needed.
We don't punish you for writing off expenses. Qualify for a home loan using your bank statements or 1099s.
The Smart Loan for Business Owners
Bank Statement Loans
We look at your real cash flow deposits over 12-24 months, not your bottom-line taxable income.
1099 Only
Contractor? Gig worker? We can use your 1099 form to calculate your income.
Higher Loan Limits
Get approved for loans up to $3M without the strict DTI requirements of conventional loans.
Self-Employed Mortgage FAQs
Can I get a mortgage without tax returns?
Yes. Bank statement loans use 12–24 months of your business or personal bank deposits to prove income instead of tax returns. We look at your real cash flow, not your bottom-line taxable income.
I am a 1099 contractor. Can I qualify?
Yes. We can use your 1099 forms to calculate your income. Contractors, gig workers, and freelancers often qualify for mortgage programs designed for non-traditional income.
Why does my tax return show less income than I actually make?
Self-employed borrowers often write off expenses to reduce taxes, which can make their taxable income look lower than their real cash flow. Bank statement and 1099 loans focus on your actual deposits—not your adjusted gross income.
What loan amounts are available for self-employed borrowers?
We offer loans up to $3M for qualified self-employed borrowers, without the strict debt-to-income ratios required by conventional loans. Terms and limits depend on your situation and the program.
You run a business. We get it.
Don't let a bad CPA ruin your chances of owning a home. Get approved based on your real income.
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