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Mortgages for Self-Employed Borrowers

Don't let non-traditional income stand between you and homeownership. Rose specializes in finding solutions.

Mortgages for Self-Employed Borrowers

Self-employed borrowers are often penalized by the traditional mortgage system. Tax deductions that reduce your tax liability can make your qualifying income look smaller than it really is. Banks frequently decline these applications — or offer rates that don't reflect your actual creditworthiness.

Rose has access to bank statement loans, non-QM programs, and other alternative documentation options specifically designed for business owners, freelancers, consultants, and investors.

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Self-Employed Mortgages

Why Choose Rose for Self-Employed

Bank Statement Loans

Qualify using 12 or 24 months of bank statements instead of tax returns. Ideal for borrowers whose tax returns understate their actual income.

Non-QM Programs

Non-qualified mortgage programs offer more flexible underwriting guidelines — asset-based lending, P&L only, and more.

2-Year Average Income

Traditional loans average 2 years of Schedule C income. Rose will calculate exactly what qualifies and identify the best approach for your numbers.

200+ Lenders

Rose has access to dozens of lenders who specialize in self-employed borrowers and understand irregular or complex income structures.

Business & Personal Tax Returns

Rose reviews both your personal and business returns to present your income in the most favorable light within lending guidelines.

Previous Declines Welcome

If another lender declined you, don't give up. Rose takes on loans other brokers walk away from — and often finds a way to get it done.

Ready to Get Started?

Contact Rose today for a free, no-obligation consultation.