Loan Program
Self-Employed Borrowers
Bank statement and alt-doc programs for business owners and 1099 earners.
Overview
Self-employed borrowers often show lower taxable income due to legitimate deductions. We use bank statement and alt-doc programs to qualify on real cash flow — not just tax returns.
Key Benefits
- Qualify on 12–24 months of bank deposits
- No tax returns required on many programs
- 1099-only programs available
- P&L-only options for established businesses
Qualification Highlights
- 2+ years self-employed
- Strong credit (typically 660+)
- Reserves often required
- Down payment from 10–20% depending on program
Frequently Asked Questions
Yes — with sufficient credit and reserves, P&L-only options are available.
Questions about Self-Employed Borrowers?
A licensed loan officer will walk you through your options — no obligation.