🧾 Mortgage Options for Self-Employed Borrowers
Being self-employed shouldn’t stop you from qualifying for a great mortgage. Traditional income documentation doesn’t always reflect your real financial picture—especially if you’re a business owner, independent contractor, freelancer, or gig worker. That’s why Renee Duval offers so many self-employed mortgage programs—flexible solutions designed to make homeownership accessible, even without tax returns.
📑 Bank Statement Loans
Instead of tax returns, these loans use 12 to 24 months of personal or business bank statements to verify income. Lenders review your average monthly deposits to calculate qualifying income—ideal for those who reinvest heavily in their businesses or show lower taxable income.
💼 1099-Only Loans
Perfect for independent contractors or gig workers who receive 1099 forms instead of W2s. These programs use your year-end 1099 income to qualify—sometimes even just one year’s 1099 if you’ve been in the same field long enough.
FHA Loans
Some self employed borrowers may have lower credit scores and can qualify (with bank statements) for an FHA loan. Find out more about FHA loans if this is your situation!
Conventional Loans
If you’ve been self employed for a long time you may be able to qualify with just one year’s tax return. In general, conventional loans will have better rates and lower down payments.
I proudly offer self-employed mortgage programs through top lenders including NewRez, LendSure, Nations Direct, Towne Mortgage, EPM, Angel Oak, and more—each with their own specialty solutions to match your unique needs.
📞 Let’s talk about which option fits your story best. Call Renee Duval at 603-345-5644.
Ready to apply: create an account and provide your basic info at www.applywithRenee.com
Or set up an appointment to talk to Renee on our booking page.
Whether you’re seeking a mortgage without tax returns, a bank statement loan, a 1099-only loan, or other self-employed mortgage programs, I can help. Gig workers, freelancers, and entrepreneurs welcome!