You searched:
“why is getting a mortgage so hard when self employed”
You earn good money, pay your bills, and run a successful business -- yet lenders treat you like a risk. The mortgage system was built for W-2 employees, but an entire category of loan products now exists for entrepreneurs like you.
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.
- 1Tax write-offs reduce qualifying income on paperSolution exists
- 2Income varies month to monthSolution exists
- 3Less than 2 years of self-employment historySolution exists
- 4Complex business structures confuse underwritersSolution 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
Bank Statement Loans
Qualify using 12-24 months of bank deposits instead of tax returns. Your real income, not your taxable income.
Available now1099 Income Programs
Use 1099 forms directly without full tax returns. Ideal for freelancers and contractors.
Available nowProfit & Loss Statement Loans
Some lenders accept CPA-prepared P&L statements as income documentation.
May take timeTalk to someone right now
No automated menus. A real licensed mortgage professional who understands your situation.
(248) 864-2200Self-employed? We speak your language.
Start Your Application
Takes about 5 minutes. No obligation. No credit check until you are ready.
Our Presence
Click on endorsed states to see our direct resources!
Frequently Asked Questions
You provide 12-24 months of bank statements. The lender calculates income from average deposits, using 50-100% of business deposits or 100% of personal deposits.
Most programs require 620-660 minimum with 10-20% down. Better scores unlock lower rates.
Typically 1-2% higher than conventional rates. Many self-employed borrowers find this worthwhile to access homeownership now and refinance later.
Self-employed? We speak your language.
We will reach out at a time that works for you. No pressure, no obligation.