Mortgages Designed for Entrepreneurs & Freelancers
Flexible income verification tailored to business owners and self-employed professionals.
Named us "The Best All-In-One Lender for Refinancing."
What is a Self-Employed Mortgage?
Specialized financing designed to meet the unique needs of business owners and freelance professionals.
Designed for Your Unique Income
Self-Employed Mortgage products are specifically designed to meet the unique financing needs of business owners and freelance professionals. Recognizing that traditional income verification methods, such as W-2 forms and pay stubs, may not accurately reflect the income streams of self-employed individuals, these mortgage programs accommodate alternative documentation.
Acceptable documentation may include, but is not limited to, bank statements, profit and loss statements, and other relevant financial records, to substantiate income eligibility.
Our Self-Employed Mortgage solutions offer flexible income assessment methodologies and competitive interest rates, facilitating access to home purchase and refinance financing for entrepreneurs and freelance professionals.
Why Choose a Self-Employed Mortgage?
Benefits tailored for business owners and independent professionals.
Alternative Documentation
Use bank statements, profit & loss statements, and other financial records instead of traditional W-2s and pay stubs.
Flexible Income Assessment
Income verification methods designed for self-employed individuals with variable or seasonal income streams.
Competitive Rates
Access competitive interest rates and favorable terms designed specifically for self-employed borrowers.
Purchase or Refinance
Use for buying a new home or refinancing your existing mortgage—flexibility for your needs.
Multiple Property Types
Finance primary residences, second homes, and investment properties with flexible options.
Expert Guidance
Work with lenders who understand the complexities of self-employment and entrepreneurship.
Eligibility Requirements
- Self-Employment History: Minimum of 12-24 months of self-employment (business ownership or freelance work)
- Income Documentation: Bank statements, profit and loss statements, or other financial records to verify income
- Credit Score: Good credit score required (specific score requirements vary by lender, typically 620+ minimum)
- Assets: Proof of sufficient assets to cover down payment and closing costs
- Debt-to-Income Ratio: Total monthly debts within acceptable limits (typically 43-50% DTI)
- Financial Stability: No significant recent financial issues (e.g., bankruptcies, foreclosures)
Frequently Asked Questions
Get answers to common questions about Self-Employed Mortgages.
Reviews From Past Clients
Don't take our word for it—here's what some of our past clients have to say about us!
"David helped me secure financing for my very first home purchase. Other lenders would only pre-qualify me for amounts that were so much lower than I needed. I'll never forget, David said to me, 'Don't worry, Jeff... we'll get you financed for the home you want.' He was true to his word and so kind and understanding in dealing with my first-time home buyer's fears, concerns and questions."
"Nationwide Home Loans Inc is absolutely the best lender I've ever done business with. They are extremely friendly and take the time to listen to your needs. They are also very creative and helped us in a purchase and a refinance. With all of their experience, they will find a way to get your loan through. Call Nationwide, you'll be glad you did!"
Ready to Get Your Self-Employed Mortgage?
Not sure which type of loan is right for you? Let our experienced team help you navigate the mortgage process and find the perfect financing solution for your business and personal goals.
Loan terms and credit approval may vary depending upon loan amount. In determining your actual loan amount, we will consider your ability to repay by looking at your income, debts, credit history, and other financial obligations. Nationwide Home Loans, Inc. is licensed by the Department of Financial Protection and Innovation under the California Residential Mortgage Lending Act.
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