Self-employed? Your tax return isn't the whole story.
I work with lenders who use your actual bank deposits — not your tax returns — to determine what you qualify for. If your business is doing well but your write-offs make it look otherwise, there's likely a program for you.
The problem with traditional mortgage qualifying
Conventional lenders use your tax returns to verify income. But many self-employed borrowers — business owners, freelancers, 1099 contractors — write off legitimate expenses that bring taxable income way down. That's smart tax strategy, but it may impact your qualification.
12-24 Months Bank Statements
No tax returns Required
Up to $3M+ loan amounts (varies by lender)
Who is this great for?
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LLC, S-Corp, or sole proprietors who write off significant business expenses.
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Contractors, electricians, plumbers — strong cash flow, low taxable income.
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Freelancers, consultants, and gig workers without traditional employment income.
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Agents and investors whose income varies year to year or is heavily deducted.
Alternative Options
CPA Prepared P&L Loan
1099 Income Loan
Asset qualifier Loans
By clicking "Apply Now", you will be redirected to a secure third-party platform powered by Arive, LLC (operated by Wizni, Inc.) to complete your mortgage application.
Marc Lala (NMLS #2478402) is a licensed loan originator in New Jersey and Connecticut. All loans are subject to underwriting, credit approval, and property review.