Self Employed / Business Owners / 1099 Only / Gig Workers
Consolidate Multiple Loans
Easily combine first and second mortgages into one low rate.
Easier Credit Qualification
Even credit scores in the 580s can qualify.
Less Documentation Requirements
No Tax Return Loans.
How Do Self-Employed People Qualify for Great Mortgage Loans?
Some of our most popular loans are for self-employed borrowers.
We offer alternative qualification programs like bank statement, DSCR, 1099 Only, Streamline Refinances, VA IRRRL, FHA Streamline, Profit and Loss, and CPA letter loans.
Benefits of an Self-Employed Loan
- Less stringent qualification requirements than traditional loans
- Can Combine multiple sources of income
- No Tax Returns Required
- Fast and Easy Streamline Refinance available if you already have an FHA loan
Self Employed Loan Qualification Requirements
- Generally Requires 590 Fico score and above
- As little as One Year Self Employed Okay with many programs
- As little as 10% down payment okay (primary home)
How a Self Employed Loan Works
- Your actual payment will vary based on your situation and the current interest rates when you apply
- Prepay your mortgage at any time without pre-payment penalties on most programs
- 30 and 40 year terms are all available with fixed rates
- 5-year adjustable-rate mortgage available