Self-Employed

Yes, self-employed people can absolutely get a mortgage, you just need to prove your income a little differently. If you own a business, freelance, or work for yourself, you don’t get a regular paycheck or a W-2 form, which is what traditional lenders expect. But that doesn’t shut the door. In my years helping self-employed borrowers, … Read more

Yes, you can get a mortgage with less than two years of self-employment, and sometimes with just one year. But here’s the catch almost no one explains: the exceptions exist, they’re real, and they’re barely documented anywhere you can find them. The “two-year rule” is repeated so often that most self-employed borrowers assume it’s an … Read more

Key Highlights for Self-Employed Home Loans in 2026 You don’t need tax returns to qualify. Non-QM loans let self-employed borrowers prove income through bank deposits, assets, or rental cash flow instead. Multiple programs exist for every situation — bank statement loans, P&L loans, 1099 loans, DSCR loans, asset depletion loans, and fast digital HELOCs. Credit … Read more