Self-Employed Mortgage Program
Flexible Mortgage Programs for Self Employed Entrepreneurs, Contractors and Business Owners
If you are self-employed, you have mortgage options. We help business owners, 1099 earners, and freelancers qualify using bank statements, P&Ls, and asset-based programs — not just tax returns.
- No tax returns required on select programs
- 12 & 24-month bank statement loans
- Approvals typically in 24 hours
- Primary, second home & investment
No obligation • Soft inquiry only • Takes ~60 seconds
$2.3B+
In Loans Funded
Google Reviews
★★★★★
5.0 out of 5.0
24 hrs
Typical Approval
3 Mortgage Options for the Self-Employed
Programs built around how you actually earn.
Most popular
Bank Statement Loans
Qualify using 12 or 24 months of business or personal bank deposits. No tax returns required.
- Up to 90% LTV
- Self-employed 2+ years
- Loans to $3M+
P&L-Only & 1099 Loans
A CPA-prepared profit & loss — or just your 1099s — can be your full income story.
- Owner-prepared P&L OK on select programs
- Great for consultants & contractors
- Fast underwriting
DSCR & Asset-Based
Investing? Qualify based on the property's rental income or your liquid assets — not personal income.
- No personal income docs
- Investment & 2nd home
- LLC vesting allowed
FAQ
Straight answers.
Let's find the mortgage your business actually qualifies you for.
Free, no-obligation review with a senior Lyons loan officer. We'll tell you exactly where you stand — usually within 24 hours.