Self-Employed
Built for income that doesn't fit a W-2 box.
Bank-statement, 1099, and profit-and-loss documentation paths for business owners, contractors, and commission-based earners — including luxury loan amounts up to $30 million.
Featured program
Bank Statement Loans
Qualify using 12–24 months of personal or business bank deposits instead of tax returns.
Self-employed borrowers whose tax returns understate their real income
Self-Employed
Bank Statement Loans
Self-Employed
1099 Income Loans
Qualify using 1099 earnings history for contractors and independent professionals.
Contractors, consultants, and commission-based earners paid on 1099
Self-Employed
Profit and Loss (P&L) Loans
Qualify using a CPA- or tax-preparer-prepared profit and loss statement.
Business owners who can document income through a CPA-prepared P&L
Self-Employed
Alternative Documentation
Alternative income-documentation paths for complex or non-traditional earners.
Borrowers who need a documentation path outside standard tax returns and pay stubs
Self-Employed
Self-Employed Refinance
Rate/term and cash-out refinancing using bank-statement or P&L income.
Self-employed homeowners refinancing rate/term or cash-out
Self-Employed
Business Owners
A starting point for business owners comparing bank-statement, P&L, and 1099 paths.
Owners of established businesses across industries
Self-Employed
Asset Depletion
Qualify using liquid assets rather than employment income.
Borrowers with significant liquid assets but limited traditional income
Self-Employed
Luxury Home Loans for Self-Employed
Luxury-home financing for self-employed borrowers — loan amounts up to $30 million, using bank-statement, P&L, or asset-based income.
Business owners financing luxury or high-value homes using alternative income documentation
Self-Employed
Contractors & Realtors
Mortgage options built for commission-based contractors and real estate professionals.
Independent contractors and real estate agents earning commission or 1099 income
Self-Employed
Truck Drivers & Owner-Operators
Mortgage options for owner-operators with 1099 or bank-statement income.
Owner-operators and independent truck drivers
Not sure where to start?