Mortgages for Business Owners
Mortgage solutions designed specifically for business owners, independent contractors, and freelancers. Get the flexibility you need with our self-employed loan programs.
Our self-employed mortgage programs offer flexible documentation options and specialized income calculation methods designed for business owners.
Program Features
Flexible Documentation
Multiple options for income verification, including bank statement programs.
Custom Income Analysis
Specialized income calculation methods for business owners.
Business-Friendly Terms
Programs designed specifically for self-employed borrowers.
Guidelines For This Loan
If your details are close to these guidelines, we encourage you to apply or contact us. Even if you don't qualify for this loan, we could have other options for you.
Business History
Typically need 2+ years of self-employment history.
Documentation
Tax returns or 12-24 months of bank statements.
Credit Score
Minimum 620 for most programs.
Down Payment
10-20% down payment typically required.
Resources for Self-Employed Borrowers
We understand that self-employed borrowers face unique challenges when applying for a mortgage. Our team specializes in helping business owners navigate the mortgage process with ease.
Common Challenges for Self-Employed Borrowers
- Documenting income when tax returns show business deductions
- Irregular income patterns
- Recent changes in business structure
- Business expenses that reduce taxable income
How We Help
- Specialized loan programs designed for self-employed borrowers
- Alternative income verification methods
- Expert guidance through the application process
- Personalized solutions based on your unique business situation
Frequently Asked Questions
While 2+ years is standard, exceptions may be possible depending on your previous employment history and industry experience. Contact us to discuss your specific situation.
Our bank statement programs allow us to analyze your actual cash flow rather than relying solely on tax returns, which can be beneficial for business owners who maximize deductions.
Rates may vary based on your specific financial situation, documentation type, and down payment. We work to find the most competitive rates available for your circumstances.
Ready to explore mortgage options designed specifically for your business needs?