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Modern Los Angeles home
Self-Employed Mortgages

Your write-offs
shouldn’t stop you
from buying a home.

Multiple loan programs for self-employed borrowers in Los Angeles. Bank statements, P&L, 1099 — we find the lane that fits.

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The Problem

Tax returns don’t tell
your full story

You earn well. You run a real business. But your CPA does their job — and your taxable income looks lower than what you actually bring in. Traditional lenders see the tax return and say no. We see the bigger picture.

Your Options

Programs built for
self-employed borrowers

Multiple documentation paths to get you qualified.

Bank Statement
Bank Statement Loans
Use 12–24 months of personal or business bank statement deposits to qualify.
  • No tax returns needed
  • Cash-flow based qualifying
  • Up to $3M+ loan amounts
  • Self-employed 2+ years
1099
1099 Income Loans
For independent contractors and gig workers. Uses 1099 forms instead of W-2s.
  • 1 or 2 year 1099 history
  • No tax returns required
  • Contractors and freelancers
  • Primary and second home
P&L
Profit & Loss Loans
CPA-prepared profit and loss statement qualifies you as an alternative to bank statements.
  • CPA-prepared P&L required
  • Business owners
  • Alternative to bank statements
  • Flexible documentation
Full Doc
Traditional Full Doc
If your tax returns support the numbers, conventional or jumbo full-doc programs offer the best rates.
  • Best rates available
  • 2 years tax returns
  • All property types
  • Conforming and jumbo
Get Started

Not sure which program
fits your situation?

Text Derek your scenario — business type, years self-employed, approximate income, and target home price. He’ll tell you which lane works best.

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