Self-Employed Mortgages
Mortgage options built for self-employed borrowers, from business owners to contractors, in Texas and Colorado.
The benefits of working with self-employed specialists
Self-employed income does not fit a standard box, and it should not have to. We built our process around it.
We Know Self-Employed Income
Self-Employed borrowers are one of our core specialties, so we understand how to document variable and business income.
More Than One Way to Qualify
We look at the full picture of your business and personal finances to find a loan program that fits your situation.
A Pre-Approval That Reflects Your Real Income
We document business and personal income properly from the start, so your letter reflects what you can actually borrow.
Local Experts, Big-Lender Options
You get a dedicated local team plus access to the loan programs of a larger lending network.
Quick Answer
Self-employed income can be documented in more than one way, from tax returns to bank statement programs. We look at your full financial picture to find a program that fits how you actually earn.
Self-employed borrowers often get turned away by lenders who only know how to read a W-2. We do this differently. As Self-Employed and FHA specialists, we understand how to evaluate business income, 1099 income, and other non-traditional documentation.
Whether you are a business owner, freelancer, or contractor in Texas or Colorado, we build a mortgage plan around how you actually earn, not a generic checklist. All loans remain subject to underwriting approval.
Pro Tip
Keep your business and personal finances clearly separated, and hold onto two years of tax returns or bank statements. Clean, consistent documentation is the biggest factor in a smooth self-employed approval.
Typical Guidelines
Your scenario may differ — these are common ranges, not guarantees.
| Category | Typical Guideline |
|---|---|
| Down Payment | Commonly 5% – 20%+, depending on program |
| Credit Score | Commonly 620+ |
| Income History | Typically 2 years self-employed; sometimes 1 year with strong compensating factors |
| Debt-to-Income | Typically up to 45% |
| Documentation | Tax returns, bank statements, or profit-and-loss, depending on program |
Run Your Numbers.
Get an estimate of what this loan could look like for you.
Ready to Move Forward With Self-Employed Mortgages?
Apply online in minutes and let our team take it from there.
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