For Self-Employed Borrowers
A bank looks at your tax returns and sees write-offs. We see a qualified buyer. As an independent California mortgage broker we shop bank-statement, P&L, 1099, and asset-based lenders so self-employed borrowers qualify on real income — not just the bottom line of a return.
A retail bank underwrites your net income after every deduction, so the write-offs that lower your tax bill also shrink the income the bank will count. A broker isn't stuck with one rulebook: we place your file with the lender whose program fits how you actually earn.
We shop bank-statement, P&L-only, 1099, asset-depletion, and conventional programs side by side, then bring you the best real terms.
Business owners, sole proprietors, LLC and S-corp owners, freelancers, gig and 1099 contractors, real estate investors, and commission earners across California — from our Newport Beach and Marina del Rey offices, serving all 58 counties.
Depending on the program we count 12–24 months of bank deposits, a CPA-prepared profit-and-loss statement, your 1099 income, or your liquid assets. Most self-employed programs want roughly 10–20% down and a mid-600s+ credit score. No two files are the same — that's exactly why shopping matters.
Not necessarily. Conventional loans typically use two years of returns, but bank-statement, P&L, 1099, and asset-based programs qualify you without them. We match you to the one that counts the most of your real income.
A bank offers only its own products and underwrites to one set of rules. As a broker we compare many self-employed lenders at once, so your write-offs, business structure, or short self-employment history don't automatically sink the file.
It depends on the program used to document your income. A bank-statement or P&L loan often qualifies you for far more than a tax-return-based loan because it counts gross cash flow rather than post-deduction net. Call for a free estimate.
Commonly 10–20%, depending on the program, credit, and property. Some strong files go lower. We'll tell you the exact number for your situation.
We shop 40+ lenders to match your situation. Free quote, no credit pull to start.