Home loans for business owners
Being your own boss shouldn't make buying a home harder. We specialize in helping self-employed borrowers, freelancers, and business owners qualify using their actual income — not just a W-2.
Get pre-approvedNo credit impact | No commitmentBuilt for business owners
We understand self-employed income is different. Our process is designed to capture your full earning picture — not just what shows on a pay stub.
Three ways to qualify
Unlike traditional lenders that only look at tax returns, we offer multiple paths to prove your income — so your write-offs don't work against you.
Tax Returns
The standard path for Fannie Mae and Freddie Mac loans. We use your last 2 years of personal and business tax returns to calculate qualifying income, adding back depreciation and non-cash expenses.
- Best rates available
- 2 years of 1040s + business returns
- Depreciation and amortization added back
- Income averaged over 2 years
Bank Statements
Use your business bank deposits instead of tax returns. We calculate income from your average monthly deposits — so business write-offs and deductions don't reduce your qualifying income.
- No tax returns required
- 12 or 24 months of business bank statements
- Income = average monthly deposits x expense factor
- Great for borrowers with heavy write-offs
Profit & Loss Statement
Qualify using a year-to-date profit and loss statement prepared or signed by a licensed CPA. This option uses your gross revenue minus business expenses to determine income — often higher than what shows on tax returns.
- CPA-prepared or CPA-signed P&L required
- Uses gross revenue minus actual expenses
- Can be combined with bank statements for verification
- Faster than waiting for tax return filing
How it works
From application to pre-approval in four simple steps.
Tell us about your business
Select self-employed in the dashboard and enter your business details — name, type, and years in operation.
Upload your documents
Upload your last 2 years of personal and business tax returns, or 12-24 months of bank statements if you're using the bank statement program. Our system automatically identifies the forms (1040, Schedule C, Schedule E, K-1) and tells you if anything is missing.
We calculate your qualifying income
We apply Fannie Mae income guidelines — adding back depreciation, averaging over 2 years, and accounting for your business structure — to find your true qualifying income.
Get your pre-approval letter
Once your income, credit, and assets are verified, you get an official pre-approval letter you can use to make offers.
How we calculate your income
Sole Proprietor
Schedule C net profit + depreciation addback, averaged over 2 years
Partnership / LLC
K-1 income from Form 1065 + guaranteed payments, adjusted for ownership percentage
S-Corporation
W-2 wages from corp + K-1 distributions from Form 1120S, plus depreciation addback
Rental Income
Schedule E net rental income + depreciation addback, with lease agreements
Mortgage Payment Calculator
Estimate your monthly payment with taxes, insurance, and PMI
Frequently asked questions
Self-employed? Let's get you pre-approved.
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