Empowering Self-Employed Homebuyers

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What is a Self-Employed Mortgage?

A Self-Employed Mortgage is tailored for individuals who run their own business or work as freelancers. Traditional mortgage lenders often rely on W-2s and pay stubs for income verification. Instead, these mortgages allow for alternative documentation, such as bank statements, profit and loss statements, and other financial records, to demonstrate income.

Our Self-Employed Mortgages offer flexible income verification and competitive rates, making it easier for entrepreneurs and freelancers to secure the financing they need to purchase or refinance a home.

Loan Benefits

Flexible Income Verification

Use alternative documentation, such as bank statements or profit and loss statements, to verify your income.

Competitive Rates

Enjoy favorable interest rates tailored to your unique financial situation, helping you save money over the life of your loan.

Personalized Service

Benefit from expert guidance from our experienced loan officers, who understand the needs of self-employed borrowers.

Eligibility Requirements

Minimum of 12-24 months of self-employment
Bank statements, profit and loss statements, or other financial records to verify income
Good credit score (specific score requirements vary)
Proof of sufficient assets to cover down payment and closing costs
Debt-to-income ratio within acceptable limits
No significant recent financial issues (e.g., bankruptcies, foreclosures)

Start your Self-Employed Mortgages Application

Frequently asked questions

What documentation is needed for a Self-Employed Mortgage?

Typically, you'll need bank statements, profit and loss statements, or other financial records to verify your income.

Can I use a Self-Employed Mortgage to refinance my existing mortgage?

Yes, Self-Employed Mortgages can be used for both purchasing a new home and refinancing an existing mortgage.

What is the minimum credit score needed for a Self-Employed Mortgage?

While requirements vary, a minimum credit score of 620 is typically needed to qualify.

How does the approval process for a Self-Employed Mortgage differ from traditional loans?

The process focuses on alternative income verification methods and may require more detailed financial documentation.

Are there any restrictions on the types of properties that can be financed with a Self-Employed Mortgage?

These loans can be used to finance a variety of property types, including primary residences, second homes, and investment properties.

See what our clients say about us

We are humbled by the kind words of our clients. And we are happy that we were the ones to help turn their mortgage goals into reality.

Excellent service for self-employed

Excellent financial services for self employed individuals. Abrahim was great to work with.

Rob G.

Bank statement refinance made easy

I did a refinance using bank statements. As a self employed individual, our W2 doesn't fully reflect our take in the business. The entire process was right around 30 days and was as painless as any large transaction can be.

Reggie O.

Fast no-doc loan for unique situation

Marshall was wonderful to work with and helped me immensely. I was able to get a no doc loan fast and easy. I had a unique situation and Marshall knew exactly how to handle my file.

Christopher W.

Perfect solution for retiree financing

I am retired and do not have regular monthly income so I no longer qualify for traditional loan products. I am also tech illiterate. Delania took time to help me navigate the process in a way that best fit my needs.

Sylvia L.

Small business owner finally approved

As a small business owner I was frustrated with my military banks when refinancing my home. Manases quoted me a great rate with cash out options. I closed faster than expected and everything he quoted came to pass.

Jason C.

Self-employed financing solution

We have a tricky time getting financing as we're self employed and they put in endless effort to help get us approved with the right loan product to fit our needs. They were extremely reliable and professional.

Aaron B.

Quick no-doc mortgage to keep family home

After my Mom passed, I needed a mortgage to buy my sister out and keep our family home. Other brokers said it wasn't possible but I filled out their short application and was approved with minimal hassle.

Kenneth T.

Self-employed refinance success

I am self-employed and needed to refinance my home. However, it was difficult to get a regular home loan due to large tax deductions. I am happy to receive Truss's Bank Statement Home Loan when traditional lenders turned me away.

James L.

Calm guidance through unique challenges

Marcus Myles was our mortgage partner and did a terrific job. Despite our unique challenges he was always there with a calm demeanor and good guidance. We greatly appreciate all of his efforts on our behalf.

Patrick W.

Cash-out refi for complex income situation

After struggling with other lenders, Paul made it easy to complete a cash-out refinance. As a small business owner, my income situation is complicated, but Paul guided me through the process with ease.

Baird K.

Deal saved at the last hour

With several small businesses, 4 different local offices couldn't help us. On the last hour before giving up, Marshall called and saved our deal. The entire process was seamless. He never once bat an eye at the complexities.

Jenn V.

Creative solutions for self-employed

Being self-employed makes getting a loan difficult, but Garrett found ways to overcome each hurdle. We had big challenges accessing our home equity, but they made it happen for us.

Jason M.

Made it easy for self employed to get…

Made it easy for self employed to get approved. Everything was seamless and team was responsive to any questions we had.

Dubya

The persistence

The persistence, Betty and Jeff were very informative, this refinance was something new and also something I wasn't prepared to do. My bank called one day and said " you have a balloon payment due and we'll give you a 3 month extension. That's it. I'm appreciative of the time they took to guide me through the process.

Brandon Christopher

It was extremely fast to the point easy…

It was extremely fast to the point easy to understand easy to deal with it actually went through unlike sunlanders that drag you on for months and months I don't do anything and just cost you thousands of dollars

Caleb Baker

Simple

Simple, fast and remote virtual closing. As long as it makes sense its totally doable. Company has a very nice set up to ensure everything is clear and transparent. Even though we closed the reason for the 4 stars is because the loan officer forgot to communicate with my wife and I during the process and towards the end.

Christopher

This experience was great

This experience was great. My loan officer Hayden and the underwriting team did a super job. The portal showed me every step of the way. I had a unique situation and they solved it.

Dan Farrell

This company is amazing

This company is amazing , Christian from the first conversation we had we connected . The have the best loan for self employe person . I will recommend them 100% .

Edward Lugo Caban