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Self-employed · Virginia, DC & Maryland

Your accountant did their job. The bank punished you.

They wrote off the truck, the tools, the office and the travel. Your taxable income came out low, which is what you paid them for.

Then a bank read that same return and said no.

See which path fits you
Call us

Send 12 months of statements. No credit check to start.

You can still buy a home if…
  • Your return shows almost no profit
  • You are paid on 1099 or by commission
  • Your money comes from several places
  • Your business is under two years old
  • A bank already turned you down

A self employed mortgage looks at the money that reaches your account, not the figure left after write offs.

Licensed mortgage broker · NMLS 179997

Office in Vienna, Virginia

We speak 8 languages

The problem

The problem is the paperwork, not your money.

  • Underwriting looks at the profit left after write-offs, not your total business income.
  • The tax strategy that saves you money can also reduce your self employed mortgage qualifying income.
  • About 43% of denied purchase applications in 2025 cited too much debt relative to income.
  • A lower reported income can make qualifying harder, even when you can comfortably afford the payment.
  • The issue is often that traditional underwriting is designed around W-2 income.
  • A self employed mortgage through a non-QM loan can offer more flexible underwriting because the lender keeps the loan instead of selling it.
Nothing about your business has to change. Only the paperwork does.
Who it fits

Which one of these is you?

Almost every self employed mortgage starts in one of these six spots. Find the one closest to your business.

Business owner

Your return shows almost nothing

Sales are healthy. Profit after write offs for gear, vehicles and the office is not. A bank statement loan counts deposits instead, and a 10% down payment is often enough.

1099

You are paid on 1099s

Your 1099 income is strong and your net is much lower. A self employed mortgage built on 1099 income uses the gross with a set allowance, which lifts your qualifying income.

Platforms

Your money comes from several places

Rideshare, delivery, contracts, agency work. A profit and loss sheet from your accountant can carry the file with no tax returns.