If you’re self-employed and looking to buy a home, you’ve probably already discovered how challenging it can be to qualify for a traditional mortgage. Standard lenders often rely heavily on W-2s and tax returns to verify income, and in many cases that just doesn’t work for a small business owner, a performing artist, or someone who makes their living through investments. So what if your income doesn’t fit neatly into those common lending approval boxes? That’s where alternative loan programs come in. We offer mortgages that are designed specifically for entrepreneurs, freelancers, and small business owners like you.
Why Self-Employed Borrowers Struggle With Traditional Mortgages
On paper, self-employed individuals may look like they earn less than they actually do, thanks to tax write-offs and deductions. This can lead to a frustrating cycle: successful business owners with strong cash flow may be denied a mortgage simply because their adjusted gross income doesn’t reflect their true financial health. A self-employed home loan can solve this problem by using alternative documentation to prove your ability to repay. You won’t find these solutions with every lender, which is why you need a team that specializes in mortgages for self-employed borrowers.
Mortgage Without Tax Returns: What Are Your Options?
Fortunately, we have programs that allow you to get a mortgage without tax returns. Instead of relying solely on IRS documents, these loans use other ways to verify income, such as bank deposits or profit-and-loss statements. Here are the most popular programs:
- Bank Statement Mortgage – Uses 12–24 months of personal or business bank statements to calculate average monthly income. Ideal for entrepreneurs with fluctuating income.
- Stated Income Loans – Allows borrowers to declare their income, supported by assets and credit strength, rather than tax returns.
- No Income Verification Mortgage – Focuses on assets, reserves, and credit rather than traditional employment documentation.
- Alternative Documentation Mortgage – May include profit-and-loss statements prepared by a CPA, asset depletion methods, or other creative ways to demonstrate repayment ability.
- Cash Flow Mortgage – Qualify for an investment property based on it’s projected rental revenue rather than your income as the borrower.
Jumbo Loan for Self-Employed Buyers
If you’re purchasing a luxury property, you may need a jumbo loan for self-employed borrowers. Traditional jumbo financing can be even more strict than conforming loans, but with the right lender, you can qualify using bank statement mortgages, stated income loans, or even asset-based programs. This makes it possible to buy or refinance high-value homes without jumping through unnecessary hoops.
Who Benefits Most From These Loan Programs?
These flexible mortgage solutions are designed for:
- Freelancers and gig-economy workers
- Small business owners with significant write-offs
- Investors with irregular income streams
- High-net-worth borrowers who prefer asset-based qualifications
- Retirees with strong assets but limited documented income
We have years of experience with borrowers just like you, who don’t fit the typical mortgage mold but are more than qualified to invest in real estate.
Why Work With a Specialized Lender?
Not all lenders offer these programs, and not all know how to navigate the complexities of self-employed borrowers. Working with a lender who understands home loans without proof of income ensures you’ll have access to options like bank statement mortgages, alternative documentation mortgages, and no income verification loans tailored to your situation. We’re the team you need to achieve your real estate goals.
Being self-employed shouldn’t hold you back from homeownership. With options such as a mortgage without tax returns, stated income loans, and jumbo self-employed mortgage programs, you can qualify for the financing you need without relying on W-2s. The key is working with the right lending partner who knows how to match you with the best program for your goals.
Ready to explore your options? Contact our team today to see how a self-employed home loan could help you secure your next property.
