Mortgage Loans for the Self-Employed
Access both non-QM and conventional loans all in one place to fit your situation
Being self-employed shouldn’t make it difficult to get a mortgage loan. View more Q&A here
- No tax returns needed
- Down payments as low as 15%
- May qualify with only 12 months bank statements
- 1099 income considered
- No credit score*
Free Pre-Qualification
Get Flexible Mortgage Solutions
With the right home loan, you can refinance or buy a home and keep your financial plans on track
Gov. Insured Loans
Attractive loan terms
Government-insured mortgages, also known as government-backed mortgages, are home loans that are insured or guaranteed by a federal agency. These loans are designed to help specific groups of people, such as first-time homebuyers, veterans, and those in rural areas, by reducing the risk for lenders.
0%
Down Payment
580+
Credit Score
Conventional loans
Different term options available
A government program doesn’t directly back a conventional mortgage loan. Most of these loans are also “conforming,” meaning they adhere to the standards set by Fannie Mae or Freddie Mac. These two government-sponsored entities buy mortgages from lenders and then sell them to investors.
3%
Dow payment
680+
Credit Score
Non-Qualified Mortgage
Good option for investors
Non-QM (Non-Qualified Mortgage) loans are home loans that don’t meet the strict criteria set by the Consumer Financial Protection Bureau (CFPB) for qualified mortgages. These loans are designed for borrowers who may not fit the traditional lending requirements but still have the financial means to repay a mortgage.
10%
Down Payment
0 or 640+
Credit Score
Get your free, personalized rate quote today!
There are various types of mortgage options available, and taking a few minutes to explore your options can be beneficial. Understanding the different types of home loans can help you determine which one offers the best fit for your needs. Don’t worry, we’re here to guide you through the process and help you select the most suitable loan option. But first, take some time to review and compare your options to get an idea of what works best for you.
