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Flexible Financing for the Self-Employed

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Self-Employment Loan Options at a Glance

Not everyone fits into the same qualification box—and why should they?

For those who don’t meet the income requirements set by Fannie Mae and Freddie Mac, there are plenty of loan products available which allow you to represent your income in ways other than showing your tax returns or W-2s.  This usually applies to the self-employed, but that’s not always the case.  Program examples include:

  • Bank statement programs
  • Asset only
  • Stated income
  • Rental property cashflow

If you’re not sure which product might be right for you, we can help.  Reach out and speak to a Mortgage Consultant today.

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How a Self-Employment Loan Works

Non-Qualified Mortgages, or Non-QM loans, refer to those which don’t meet Fannie or Freddie guidelines.  Non-QM loans can be an excellent option for those who are:

  • Self-employed and don’t meet conforming loan criteria
  • Buyers with high net worth and no income streams
  • Real estate investors using future cash flow to qualify
  • Foreign nationals

The Mortgage Hub offers the following loans with alternative income verification requirements. We also offer an ITIN loan product, which is ideal for Foreign Nationals who don’t have traditional documentation, such as a Social Security Number.

Type of loan Income verification
Bank statements 12 to 24 months
Stated income None required
Debt Service Coverage Ratio*  Property appraisal and rental survey
Asset depletion/utilization Current assets
Trust income Trust income documentation

* investment properties only

We’re here to help. So if you’re not sure if this type of loan is right for you, call us at (888) 273-8734 or schedule a free consultation.


READY TO PROCEED? Get your custom quote or begin your loan application now.