Self-Employed Buyers

Self-Employed Buyers

Helping self-employed buyers secure financing can present unique challenges, but specialized loan programs are designed to meet these needs. These programs address the complexities of self-employment income, offering flexible solutions that go beyond traditional loan criteria. By partnering with us, you can provide your self-employed clients with access to tailored financing options that account for irregular income and diverse financial profiles. Together, we can navigate these programs effectively, ensuring your clients achieve their homeownership goals with the support they need. Let’s work together to turn their dreams into reality!





Bank Statement Loan 

Personal or Business Bank Statements

Credit Score: Minimum 600

Maximum Loan Amount : $4,000,000

  • Maximum Loan-to-Value (LTV) 90%

  • Statements Required: 12 or 24 months of personal or business bank statements

  • Self-Employed: Minimum 2 years

  • 1099 Only Income Loan
  • Credit Score: Minimum 680
  • Maximum Loan Amount: $4,000,000
  • Maximum Loan-to-Value (LTV): 80%
  • Experience Required: 2 years in the same profession
  • Income Documentation: 2 months of bank statements to support income

Profit & Loss (P&L) Statement Loan

  • Credit Score: Minimum 680
  • Income Verification: 12 or 24 months of Profit & Loss statements
  • Maximum Loan Amount: $2,500,000
  • Maximum Loan-to-Value (LTV): Up to 80% for purchase. Up to 70% for cash out refinancing
  • Debt-to-Income Ratio (DTI): Up to 50%
  • Loan Terms: 40-year fixed. 40 year Adjustable Rate Mortgage (ARM) with interest-only (i/o) options


  • One Year Self-Employed

  • Credit Score: Minimum 660
  • Maximum Loan-to-Value (LTV): 80%
  • Experience Required: Only one year of self-employment
  • Income Documentation: 12 months of bank statements and previous year’s W-2
  • Industry Requirement: Must be in the same line of work or industry