SELF-EMPLOYED LOANS
Mortgage guidance for business owners and independent contractors.
Based in San Diego, CA, our mortgage team helps self-employed borrowers understand income documentation for a home purchase or refinance. We review your business history, income, expenses, credit, and available funds to compare eligible programs. Revenue and bank deposits are not automatically qualifying income.
Income documentation options
Bank statement programs
Some programs use eligible personal or business bank statements to evaluate income. Lenders review the source of deposits, transfers, business ownership, expenses, and income history. Documentation periods and calculation methods vary; not every deposit counts as income.
Business history and stability
The required business and income history depends on the program. Prior experience, recent changes, declining income, and seasonal earnings may need additional documentation. Review your timeline early so you know what information is needed.
1099 and profit-and-loss documentation
Some specialized programs may consider 1099 income or professionally prepared profit-and-loss statements. Expenses and supporting records still matter. We will confirm whether a program is available and compare its documentation, rate, fees, and down payment requirements.
Traditional income documentation
Self-employed borrowers may qualify for conventional, FHA, VA, or other eligible mortgages using required income documentation. Tax returns, business records, and current financial statements may be needed. When applying with another borrower, each income source must meet the selected program requirements.
Investment-property financing
For an investment property, compare programs that evaluate documented personal income with eligible DSCR options that evaluate rental income. Property cash flow is only one factor; credit, down payment, reserves, and other underwriting requirements still apply.
Prepare for a purchase or refinance
Keep accurate business records and clear documentation of deposits, expenses, and available funds. Ask your tax professional about tax decisions and your mortgage team about underwriting requirements. Compare the full mortgage costs and terms before choosing a program.
Self-employed? Let us figure out your best path.
Every self-employed borrower is different. We will review your income documentation, compare program options, and give you a clear recommendation — not a runaround.
Tell us your goals
Tell us your situation and we will point you to the right program.
Book a call
Bring your bank statements or tax returns and we will review them together.
Apply Now
Ready to move? Start the application.
One Mortgage
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