Self-Employed ?

Mortgage Options for You

Some popular mortgage options among our self-employed borrowers

Bank-Statement Only Option

  • 4, 12 or 24 month bank statement options to calculate income

  • FICO down to 600

  • No personal or business tax return required

  • Fixed expense ratio OK

  • CPA prepared P&L OK

  • Asset depletion for income OK

  • ITIN Only OK

  • LTV varies by scenarios

  • Purchase or Refinance

1099 Only Option

  • Past 24 months 1099s only to calculate income

  • FICO down to 600

  • Rent/Mortgage payment history required

  • No personal or business tax return required

  • No bank statement required

  • LTV varies by scenarios

  • Purchase or Refinance

No-Doc Option

  • No income requirements

  • FICO minimum 640

  • Reserve required

  • LTV varies by scenarios

  • Purchase or Refinance

We have many other mortgage options for our self employed borrowers

Feel free to schedule a call and reach out to us for a loan officer to asses your options