Self-Employed or Business Owner
Your tax returns may not fully reflect the income or cash flow available to support your home purchase.
Flexible Home Purchase Loans
Buying a Home Without Traditional W-2 Income?
Explore home purchase options using bank statements, 1099 income, business cash flow, eligible assets, or other non-traditional documentation.
- Options for self-employed and 1099 borrowers
- Primary homes, second homes, and investment properties
- No SSN or credit pull required to start your preliminary review
See My Home Loan Options
No SSN needed
Up to 80% LTV*
Bank statement purchase scenarios for eligible files
Up to $15M*
Common bank-statement loan sizes; jumbo paths may go higher
Bank Statement · Non-QM · Jumbo
Self-employed, 1099, and asset-supported options
Inquiry first
No SSN or credit pull to start
*Program guidelines for eligible files—not a commitment to lend. Subject to underwriting.
Direct Lender
NMLS #2265958
Human Match
Specialist reviews your situation
Bilingual Support
English & Mandarin
Which Situation Sounds Like You?
Built for self-employed buyers, business owners, 1099 earners, high-net-worth and complex income files—and anyone whose story does not match a traditional bank checklist.
1099 or Variable Income
Your income comes from commissions, contracts, bonuses, or multiple sources.
High-Balance Home Purchase
You are purchasing a higher-priced property that may require a jumbo or non-agency loan structure.
Strong Assets, Unusual Income
You have significant assets but do not receive income through a traditional salary.
Foreign National or Non-Permanent Resident
You want to purchase U.S. residential property but do not fit a standard domestic borrower profile.
Previously Declined by a Bank
Your situation may be workable even if it did not fit a traditional bank’s guidelines.
Purchase options
Choose a path to see the details
Guidelines for eligible files—not a commitment to lend.
Most common path for this page
Bank Statement Home Loans
Use eligible deposit history when tax returns understate real cash flow.
See If This Fits Me- LTV up to
- 80%
- Loans up to
- $15M
- FICO from
- 660+
- DTI up to
- 55%
- Fixed options
- 30-yr
12-month statements*Primary / second / investment*Subject to underwriting
Figures vary by product and file. Traditional mortgage options may also be reviewed when appropriate.
How it works
From your situation to clear options
- 01
Share your situation
Tell us about the purchase, income picture, and timeline—no product jargon required.
- 02
We match possible options
A lending professional reviews which structures may fit your file.
- 03
Clear next steps
Documentation and fees explained in plain language before you commit.
Fee transparency
Clear costs before you commit
No charge to submit
A preliminary review does not create a fee or obligation.
Fees explained early
Before you commit, we walk through what is lender vs third-party.
Plain-language costs
You see the cost picture in clear terms—not buried in the fine print.
Frequently Asked Questions
No. This page is for buyers whose income does not fit a traditional W-2 story. Depending on your file, options may include bank statement, Non-QM purchase, jumbo or asset-supported structures, and foreign national paths. A specialist helps match the approach—you do not need to choose a product first.
Some programs may evaluate eligible bank-deposit history instead of relying only on traditional tax-return income. Additional documentation may still be required depending on the full borrower profile.
Self-employed and 1099 borrowers are a core focus, but we also review high-balance purchases, strong-asset / unusual-income files, foreign nationals, and situations that did not fit a traditional bank’s guidelines.
Traditional mortgage options may also be reviewed when appropriate. This page is built around non-traditional income and documentation—not a general first-time buyer or rate-shopping funnel.
Some qualified scenarios may allow options up to 80% LTV. Required down payment varies based on credit, occupancy, property type, loan amount, and underwriting.
Submitting this inquiry form does not by itself authorize a credit pull. Credit authorization may be required later for a formal application or pre-approval.
No. Submitting to explore options does not create a fee or obligation. If you choose to move forward, we explain lender versus third-party costs in plain language before you commit.
Ready to See What May Fit?
Share your situation in a few minutes. No SSN or credit pull for this inquiry—fees explained before you commit. Formal applications may require credit authorization later.