Self-Employed Mortgage Solutions

Flexible financing programs designed specifically for entrepreneurs, business owners, and self-employed professionals in Florida. Access competitive rates with alternative documentation options.

Self-Employed Loan Programs

Specialized financing solutions with flexible documentation requirements and competitive terms for self-employed borrowers.

Bank Statement Loans

Up to 90% LTV

Perfect for self-employed borrowers who want to use bank deposits to qualify instead of traditional tax returns.

  • 12 or 24 Month Bank Statements
  • Up to 90% Loan-to-Value
  • Primary, Second Home & Investment
  • Competitive Interest Rates
  • Streamlined Documentation

1099 Income Only

Up to 90% LTV

Use just one year of 1099 income documentation to qualify for your mortgage loan with competitive terms.

  • Only 1 Year of 1099 Required
  • Up to 90% Loan-to-Value
  • No Tax Returns Needed
  • Fast Processing Time
  • Flexible Income Calculation

P&L Only Loans

Up to 80% LTV

Qualify using just your Profit & Loss statement - no bank statements required for maximum simplicity.

  • 1-Year P&L Statement Only
  • Up to 80% Loan-to-Value
  • No Bank Statements Required
  • Minimal Documentation
  • Quick Approval Process

P&L + Bank Statements

Up to 90% LTV

Combine your P&L with limited bank statements for enhanced loan terms and higher loan-to-value ratios.

  • P&L + 2 Months Bank Statements
  • Up to 90% Loan-to-Value
  • Better Rates Than P&L Only
  • Comprehensive Income Analysis
  • All Property Types

Asset Depletion

60 Month Term

Use your liquid assets to qualify for financing when traditional income documentation isn't available.

  • Asset Depletion Over 60 Months
  • Use Liquid Assets to Qualify
  • No Income Documentation
  • Retirement Account Assets
  • Investment Account Assets

Short Employment History

1 Year Only

Get qualified with only one year of self-employment history - perfect for new business owners.

  • Only 1 Year Self-Employment
  • New Business Owners Welcome
  • Flexible Documentation
  • Career Change Friendly
  • Competitive Terms

Why Choose Our Self-Employed Programs?

Designed specifically for the unique needs of entrepreneurs and business owners.

Faster Processing

Streamlined documentation means faster loan processing and quicker closings compared to traditional mortgage programs.

Flexible Documentation

Multiple documentation options allow you to choose the program that best fits your business structure and record-keeping.

Competitive Rates

Access competitive interest rates despite alternative documentation - rates that reflect your true creditworthiness.

All Property Types

Finance primary residences, second homes, and investment properties with the same flexible programs.

Expert Guidance

Work with a loan officer who understands self-employed borrowers and can navigate complex financial situations.

Privacy Protection

Maintain your financial privacy with alternative documentation that doesn't require full tax return disclosure.

Traditional vs. Self-Employed Documentation

See how our flexible programs compare to traditional mortgage requirements.

Traditional Mortgage Requirements

  • 2 Years Tax Returns Required
  • 2 Years W-2s or 1099s
  • Extensive Financial Documentation
  • Complex Income Calculations
  • Limited Property Types
  • Strict DTI Requirements

Our Self-Employed Programs

  • Bank Statements (12 or 24 months)
  • 1-Year 1099 Income Only
  • P&L Statement Only Options
  • Asset Depletion Programs
  • All Property Types Welcome
  • Up to 90% LTV Available

Ready to Get Pre-Qualified?

Speak with a self-employed lending specialist and discover which program works best for your situation.