Self Employed Loans
Mortgage options built for business owners and entrepreneurs — qualify with one year of tax returns, bank statements, or a P&L. No W-2 required.
Get Pre-ApprovedQualify with 1 year of tax returns • Alternative documentation accepted • No W-2 required
What This Program Does — and Why It Matters
Self-employed borrowers often face an unfair disadvantage: their tax returns understate income on paper because a smart tax strategy is doing its job. Conventional lenders see that and say no. This program looks at the actual financial picture — through tax returns, bank statements, P&L statements, or assets — and finds a qualification path that reflects what you actually earn.
Qualify with Just One Year of Tax Returns
Instead of the standard 2-year requirement, self-employed borrowers may qualify using just one year of personal or business tax returns — ideal for newer businesses or those with improving income trends.
Alternative Documentation Accepted
No W-2? No problem. Qualifying options include 12-month rolling P&L statements, 12-24 months of bank statements, and asset depletion — so your income picture doesn't have to fit a conventional mold.
Flexible Debt-to-Income Calculations
We use calculations that reflect your actual cash flow and business reality — not just what shows up on a simplified tax return.
Broad Property and Loan Range
Available for primary residences, second homes and investment properties. Loan amounts up to $3 million with down payment options starting at 10% for qualified borrowers.
Four Ways to Qualify
Most self-employed borrowers can qualify through one of these four documentation paths. Our team reviews your situation and determines which fits best.
Tax Return Program
Qualify with just one year of personal or business tax returns — perfect for newer businesses or those with improving income trends.
P&L Statement Option
Use a 12-month rolling Profit & Loss statement prepared by your CPA or accountant to demonstrate your business income.
Bank Statement Program
Qualify using 12-24 months of business or personal bank statements to show your actual cash flow and deposits.
Asset Depletion Option
Combine with our asset depletion program if you have substantial assets but variable income.
Who This Tends to Fit Best
If your income is real but your paperwork makes it hard to prove, this program was designed for you.
Freelancers and independent contractors
Your income is real — it just doesn't come with a W-2. We have qualification paths built around how you actually earn.
Small business owners
Whether you're a sole proprietor or run a growing operation, your business cash flow can count toward qualification.
Entrepreneurs with newer businesses
One year of tax returns instead of two means you don't have to wait as long to qualify.
High earners with complex tax returns
If your tax strategy minimizes income on paper, alternative documentation lets us look at the full financial picture.
Why Work with Jamie Becker
Self-employed files are more complex than standard W-2 loans — and they require a lender who understands the difference between what a tax return shows and what a borrower actually earns. Jamie Becker brings 21 years of mortgage experience and a financial advisory background to every file.
He knows how to read the full financial picture, select the right qualification path, and explain the process clearly. For self-employed borrowers, that combination makes a real difference.
Frequently Asked Questions
Important Program Notes
All loans subject to credit approval, income and asset verification, and program availability. Documentation requirements, loan amounts and terms vary by program and borrower profile. Responsible lending guidelines apply.
Your Income Is Real. Let's Prove It.
If traditional lenders have said no because of how your income looks on paper, there may be another path. Let The Becker Team take a look at your full financial picture.