You searched:
“mortgage with less than 2 years self-employed”
The 2-year self-employment rule is standard but not absolute. If you transitioned from an employee role in the same industry or have strong bank deposits, options exist before the 2-year mark.
Take a breath. Help is here.
- You are not alone -- thousands of people search this every month
- Real options exist for your specific situation
- No judgment -- just honest guidance from licensed professionals
We've Helped Others in Your Situation
Why This Happens
Understanding the common reasons -- and knowing that each one has a path forward.
- 1Left corporate job to start a businessSolution exists
- 2Transitioned from employee to independent contractorSolution exists
- 3Business is thriving but too new for traditional lendersSolution exists
- 4Industry experience predates self-employment startSolution exists
There's Always a Path Forward
Being denied feels overwhelming, but it doesn't mean your homeownership dream is over. Our specialists work with challenging situations every single day.
Your Options Right Now
Same-Industry Exception
If your self-employment is in the same field as your prior W-2 work, some lenders count your combined work history.
Available nowBank Statement Loans
12 months of bank statements can qualify you regardless of how long you have been self-employed.
Available nowWait and Build
If close to the 2-year mark, prepare your documentation now so you can apply the moment you hit 24 months.
May take timeTalk to someone right now
No automated menus. A real licensed mortgage professional who understands your situation.
(248) 864-2200Recently self-employed? Let us check your options.
Start Your Application
Takes about 5 minutes. No obligation. No credit check until you are ready.
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Frequently Asked Questions
Possibly, if you have W-2 history in the same industry. Otherwise, bank statement and Non-QM programs are your best bet until you reach the 2-year mark.
The date you filed your business or started reporting self-employment income on taxes. Some lenders also accept the date on your business license.
Typically 1-2% higher than conventional rates, but they provide a path to homeownership now rather than waiting another year.
Recently self-employed? Let us check your options.
We will reach out at a time that works for you. No pressure, no obligation.