Self‑Employed
Self‑Employed Mortgage Options in California
Business owners, 1099 earners, and contractors don't fit a one‑size‑fits‑all box. Several paths exist to document income the right way.
Self‑employed borrowers often have strong cash flow that tax returns don't fully reflect. Beyond conventional loans, options like bank statement, 1099, profit‑and‑loss, and other Non‑QM programs are designed for exactly these situations.
The best path depends on how your income is structured. We help organize it, then a licensed professional can review which program fits.
Who it's for
- Business owners and the self‑employed
- 1099 and contract earners
- Borrowers with mixed or complex income
- Owners whose returns show reduced income
Paths we can review
- Bank statement loans (12–24 months of deposits)
- 1099‑based income programs
- Profit‑and‑loss (P&L) options
- Conventional/jumbo where tax returns support it
- Other Non‑QM options
Why borrowers choose it
- Multiple ways to document self‑employed income
- Purchase, refinance, and cash‑out scenarios
- Options for complex or mixed income
- Guidance before a full application
FAQ
Self‑Employed Mortgage — common questions
Can I get a mortgage if my tax returns show low income?
Often yes — programs like bank statement and other Non‑QM options are designed for self‑employed borrowers whose returns understate cash flow, subject to review.
How long do I need to be self‑employed?
Many programs look for a track record, but requirements vary. A licensed professional can review your situation.
Which program is best for me?
It depends on your income structure and goals. Start with your situation and a licensed professional can help narrow it down.
Explore other California loan programs
Jumbo Loans
Financing above conforming limits for California's higher‑value homes.
Learn moreHigh‑Balance Conforming
Above the baseline limit but within your county's high‑cost ceiling.
Learn moreFHA Loans
Government‑backed financing with flexible qualifying and a low down payment.
Learn moreVA Loans
$0‑down options and no monthly mortgage insurance for eligible veterans.
Learn moreDSCR Investor Loans
Qualify an investment property using rental cash flow — not personal income.
Learn moreBank Statement Loans
Use bank deposits to document income — built for self‑employed borrowers.
Learn moreConventional Loans
A common path for primary homes, second homes, and investment properties.
Learn moreCash‑Out Refinance
Access home equity for renovations, investing, or consolidation.
Learn moreNon‑QM Loans
Flexible programs for unique income, credit, or property scenarios.
Learn moreSecond Home Financing
Vacation and second‑home options across California.
Learn moreCondo Financing
Condo‑specific guidelines for California condominium purchases and refinances.
Learn moreSee Which Program Fits Your Scenario
Start with your situation — a few simple questions, then a licensed mortgage professional can review the right path.
This information is for educational purposes only and is not a loan approval, loan commitment, or rate quote. Program availability, terms, and eligibility are subject to review and approval by a licensed mortgage professional.