Can I get a mortgage if I'm self-employed?
Yes. Some programs qualify you without relying on tax returns.
Home / Who I Help / Self-Employed Borrowers
Your tax return doesn't tell the whole story
Bank statement loans, profit-and-loss programs, and asset-based qualifying exist for exactly this reason. If a bank said no, you may have been offered the wrong program.
This is you if: You're 1099, own a business, or your income is hard to document on a W-2.
What you can expect
- Bank statement loan programs
- Profit-and-loss (P&L) based programs
- Asset-based qualifying options
- Help organizing documentation before you apply
- Options compared across lenders that specialize in these loans
- Honest guidance on rates and tradeoffs
Loan programs, requirements, and availability vary by lender and borrower eligibility. This is not a commitment to lend.
Why work with Shelly
- I read the fine print.
- You get options, not one product.
- You work with me, start to finish.
- Most of my loans close in about 20 days.
Other ways I help
From the Fine Print
Do I need perfect credit to get a mortgage?
No. Requirements vary widely by program.
What's the difference between a mortgage broker and a bank?
A bank sells its own loans. A broker compares yours across many lenders.
Ready when you are.
It starts with a conversation, not an application. No credit check, no cost, no pressure.
Or call or text 470-770-1394