Self-employed? Your income still counts.
Tax returns don't always tell the whole story. These loans look at how you really earn, using bank statements, 1099s, or rental income. I'll find the one that fits.
Ways to qualify without tax returns
Write-offs save you money at tax time. They shouldn't stop you from buying a home.
Bank statement loans
Qualify with 12 or 24 months of bank statements instead of tax returns.
1099 income
Use your 1099s to show your income, without write-offs pulling it down.
DSCR loans
Qualify on the property's rent, not your personal income. Made for rental properties.
How it works, start to finish
Three steps, one person guiding you the whole way. That's me.
Tell me how you earn
We'll look at your business, your deposits, and your goals to find the right loan.
Find your home
With the home and the loan under one roof, your offer is stronger and nothing falls through the cracks.
Close with confidence
I keep the loan and the purchase moving together, all the way to the keys.
Smart ways to make it work
The right plan today can save you a lot down the road.
Rate buydown
Pay a little up front, or have the seller pay it, to lower your rate. It can last the life of the loan or just the first few years.
Check conventional first
If your tax returns show enough income, a conventional loan usually has a better rate. I always check that first.
Refinance later
Many buyers start with a non-QM loan, then refinance into conventional once their tax returns catch up.
Compare your options
Three popular options, side by side.
| Minimum down | How income is shown | Credit score | Best for | |
|---|---|---|---|---|
| Bank statement | Often 10% | 12 or 24 months of bank statements | Often 620+ | Business owners with big write-offs. |
| 1099 | Often 10% | 1 or 2 years of 1099s | Often 620+ | Contractors and commission earners. |
| DSCR | Often 20% | The property's rent | Often 660+ | Rental property investors. |
Not sure which one fits?
Tell me how you earn, and I'll point you to your best option. No pressure and no cost.
Book a free callFrequently asked questions
The honest answers I give my own clients.
Popular tools and free resources
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Mortgage calculator
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Every step of buying a home, laid out simply.
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Hear from clients I've guided through the home and the loan.
Read reviewsLet's find the loan that fits how you earn
You don't need a whole team of strangers to figure this out. You just need the right person guiding you. That's what I'm here for.