Who is this loan right for?
Self‑Employed Mortgage Loans are designed for borrowers who run their own business, freelance, or earn income through multiple streams and need flexible documentation to qualify for a mortgage.
Benefits of this loan program
- Multiple income sources considered: Includes business, consulting, contractor work.
- Flexible underwriting: Uses tax returns, P&L, or bank statements where appropriate.
- Supports purchase & refinance: Available for both home purchase and refinance loans.
General eligibility requirements
- 1–2 years of tax returns, or acceptable alternative income documentation.
- Predictable earnings history.
- Minimum credit score typically around 620+.
Debt‑to‑income ratio within acceptable lender limits.
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