No W-2 required. Multiple qualification paths. 28+ years helping business owners and freelancers get approved when traditional lenders say no.
Traditional mortgage lenders rely on W-2 income to verify employment. But self-employed professionals know that's not how your income works. Tax write-offs lower your stated income on paper, even though your business is thriving. That doesn't reflect your true earning potential.
We understand the unique financial profile of self-employed borrowers. We offer alternative documentation paths—bank statement loans, 1099-only programs, and P&L-based qualification—to help you get approved based on your actual financial situation, not just what shows on your tax return.
Qualify using 12–24 months of personal or business bank statements. Perfect if your P&L doesn't tell the whole story. We evaluate deposits and expense ratios to verify income.
Qualify on 1099 income without submitting full tax returns. Ideal for freelancers, contractors, and gig workers earning from multiple sources. Faster approval, less documentation burden.
Use a CPA-prepared profit & loss statement to demonstrate business income. Great for established business owners with clean accounting and consistent revenue.
Minimum 2 years in business establishes stability and longevity in your field.
Sole proprietors, LLC members, S-corp owners, and partnership stakeholders welcome.
Contract work, consulting, creative services—we work with diverse income streams.
Professional services providers with demonstrated income history qualify easily.
We review 12–24 months of deposits to verify consistent business income and cash flow stability.
Minimum 2 years in business demonstrates stability and reduces lending risk.
Minimum 620 credit score required. We work with borrowers rebuilding or maintaining credit.
Typically 10–20% down. Higher down payments strengthen approval odds and improve terms.
We prefer to see 3–6 months of reserves in savings. Demonstrates financial responsibility.
When available, tax returns provide additional verification and may improve loan terms.
Documentation: We accept 12 or 24 months of statements from your personal or business bank account—whichever shows stronger income.
Expense Ratio Applied:
This conservative approach protects both us and you by ensuring you can comfortably afford the mortgage even if business fluctuates.
We review your situation and determine the best documentation path for your unique income profile.
Select Bank Statements, 1099 Only, or P&L. We guide you on which option works best.
We submit your application, verify income, run credit, and coordinate with the appraisal.
Clear underwriting conditions, finalize documents, and get your keys. Quick, professional closing.
Alex has helped hundreds of self-employed clients secure financing when other lenders said no. With 28+ years of experience and a deep understanding of non-QM lending, Alex knows how to structure your application to highlight your true earning potential.
We don't just take loan applications—we solve financing problems. Whether you're buying your first primary residence, a second home, or an investment property, Alex brings expertise, speed, and personalized service to every deal.
It depends on your chosen program. Bank Statement loans require 12–24 months of statements, employment verification letter, and identification. 1099-only programs need your last 1–2 years of 1099s and bank statements showing deposits. P&L loans need a CPA-prepared profit and loss statement plus recent tax returns. We'll tell you exactly what to gather on your strategy call.
Most programs require 2+ years of self-employment history. However, we have some specialized options for newer business owners, particularly if you have strong personal credit, significant down payment, and verifiable income from other sources. Contact us to discuss your specific situation.
We typically require a minimum credit score of 620. If your score is below 620, we can discuss options, but approval becomes harder. Higher credit scores (680+) typically qualify for better rates and terms. We review your full financial profile, not just your score.
We target a 21-day closing timeline from application to funded loan. This depends on timely receipt of documentation, clear appraisal results, and no additional underwriting conditions. Our team stays on top of every detail to keep things moving fast.