Who I Help
Self-employed income shouldn't keep you from a mortgage.
If your tax returns don't tell your full financial story, alternative programs may help. We compare traditional and Non-QM options so you understand the tradeoffs.
Tax-return qualification vs. alternative documentation
Understand how traditional qualification uses tax returns and when bank-statement or other programs may better reflect your income.
Bank-statement loans
Use 12–24 months of bank statements instead of tax returns. Larger down payments are typically required and terms differ from conventional programs.
1099 options
For independent contractors, 1099-based programs may provide an alternative to W2-style qualification.
P&L considerations
Profit-and-loss statements may support your income picture where applicable. We review what's needed and when.
Common documentation
Business licenses, formation documents, CPA letters, and bank statements are commonly requested. We provide a customized list.
Why early planning matters
Self-employed income can be complex. Starting early lets us structure your file, review options, and avoid last-minute surprises.
Free guide
Self-Employed Mortgage Guide: What to Prepare Before You Apply
A practical guide to documentation, bank-statement vs. tax-return qualification, and why early planning matters.
Ready to compare your options?
Schedule a strategy call tailored to your goals, income, and timeline.
This is not a commitment to lend. All loans are subject to credit approval, property approval, program guidelines, and applicable terms. Programs, rates, terms, and conditions are subject to change without notice. Not all applicants will qualify. Equal Housing Opportunity.
Angel Taipale, NMLS #1736690 — Bright Horizon Lending Inc., NMLS #2565670. Verify on NMLS Consumer Access