Self Employed but cannot qualify for a mortgage? We are here to help! We offer a number of bank statement programs where we calculate your actual income before your deductions to the IRS. Sound appealing? Give us a call and we can take you through the process. 


We love working with independent business owners and understand their needs primarily because we are independently employed just like you are.

  • Loan amounts up to $3M

  • Use 12 or 24 month bank statements or asset depletion to qualify

  • No tax transcripts or tax returns required

  • DTI up to 50%, 620 min. FICO

  • 4+ years major derogatory credit

  • $1.25M cash out at 80% LTV, $1M cash in hand

  • Up to 15 financed properties

  • Fixed 30; ARM 5/1, 7/1, 10/1 – all with optional Interest Only

  • 90% LTV Purchase/Rate & Term – No MI                                                                                      Plus
    • Loan amounts up to $1M
    • 2-4 years major derogatory credit

  • • 85% LTV Purchase/Rate & Term - No MI


We understand the unique needs self- employed individuals have when it comes to financing a home.

This program allows self-employed individuals to use 12 or 24 months’ personal or business bank statements or asset based income to support their income in qualifying for a mortgage.

First time homebuyers and seasoned homeowners alike are eligible to finance or refinance a new home, second home, or investment property with this program.