Income that is not on a W-2
Self-Employed Mortgage Loans for Business Owners
Self-employed borrowers can still get a mortgage. We help business owners in many states find programs that fit how they actually earn.
The Funding ClinicMailing address: 5665 W. Wilshire Blvd #1506, Los Angeles, CA 90036(844) 524-3863 · Mon–Fri 9:00 AM–5:00 PM
01 / Understand the loan
What to Know About Self-Employed Mortgage Loans
Your income is real. Let’s document it.
Banks usually want tax returns and pay stubs. Self-employed owners often show less income on paper than they actually earn after write-offs.
Alternative programs use other ways to review income, such as bank statements or a profit and loss statement. We help you compare them and prepare the documents a lender will ask for.
02 / See how it fits
Who It Helps
- Business owners and freelancers
- Commission earners and gig workers
- Owners with irregular but steady income
- Self-employed investors buying rental property
What to Have Ready
Requirements differ by lender and program. These items often come up:
- A completed loan application and credit authorization
- Business records that fit the program
- Bank statements or a profit and loss statement
- Proof that your business is active
- Proof of funds for the down payment and reserves
03 / Wherever your deal is
Self-Employed Mortgage Loans in Many States
We work with investors by phone and video, so you can book a call from wherever your property is. We can broker business purpose loans in the states below. Programs, terms, and availability depend on the lender and the state.
- Alabama
- Arkansas
- California
- Colorado
- Connecticut
- Delaware
- District of Columbia
- Florida
- Hawaii
- Illinois
- Indiana
- Iowa
- Kansas
- Kentucky
- Louisiana
- Maine
- Maryland
- Massachusetts
- Mississippi
- Missouri
- Nebraska
- New Hampshire
- New Mexico
- New York
- Ohio
- Oklahoma
- Pennsylvania
- Rhode Island
- South Carolina
- Texas
- Vermont
- Washington
- West Virginia
- Wisconsin
- Wyoming
Investing in Los Angeles? See Self-Employed Mortgage Loans in Los Angeles or see where we work.
04 / A little clarity
Common Questions
What documents replace tax returns?
Depending on the program, bank statements or a profit and loss statement may be used. The lender decides what it accepts.
How long must I be self-employed?
Lenders set their own minimums. We will tell you what the right programs ask.
Is this for investment property?
We broker business purpose loans in the states listed on this page. Tell us about your plan and we will tell you what may fit.
Will I pay more?
Alternative programs often cost more than standard loans. We compare lenders so you see the choices.
05 / Explore your options
Other Investor Loans
Know Who You’re Working With
The Funding Clinic is a mortgage broker. We arrange loans funded by third-party lenders. View our BBB business profile to learn more about our company. Read our Google reviews
Your next move starts here
Ready to talk about your deal?
Tell us about your deal. We will help you find the right loan.
The Funding ClinicMailing address: 5665 W. Wilshire Blvd #1506, Los Angeles, CA 90036(844) 524-3863 · Mon–Fri 9:00 AM–5:00 PM