Purchase without tax returns. Use personal or business bank statements, or combination of both.


What is A Self-Employed Client?

A Self-employed client, is an individual who derives their income from one or more of the following sources:

  • as a 1099 contractor
  • as an entrepreneur
  • as a business owner
  • as a sole-proprietor
  • the owner, or part owner of a partnership
  • owner of a business with a fictitious business name
  • the owner, or part owner of an LLC or INC.

Qualify As A Self-Employed Client

Mortgage options are available to address the unique circumstances of our self-employed clientele. Down payment options will average 10% to 20% based on the client qualifications, including Fico scores, which require a minimum 600.

Qualify Without Tax Returns

If you are self-employed, and want to purchase a home, you will be pleased to know that we offer mortgage products that address the unique issues that some self-employed borrowers face. Clients can qualify without the requirements of submitting personal or business tax returns.

How Does it Work?

The client must be self-employed for 2 years or more. Supporting documentation will be required. Qualification can be based on a personal bank account, a business bank account, multiple business bank accounts or a combination of all. The client can use either 12 months or 24 months of bank statements to show qualifiable income.

The underwriter will review the monthly deposits into each bank account. After reviewing the deposits into each account, the underwriter will determine all qualifiable deposits and determine the monthly income. Once the average monthly income for either 12 months or 24 months is determined, the client can move forward in the mortgage process.

What Types of Self-Employed Clients Can Obtain Financing?

The Self-Employed mortgage option is great for a variety of self-employed professionals.

Some examples are: accountants, attorneys, barbers, business owners, childcare workers, contractors, dancers, dentists, freelance writers, graphic designers, hairstylists, home cleaners, marketing consultants, photographers, online influencers, online entrepreneurs, professional speakers, truck drivers, and web developers. The list goes on as there are many other types of self-employment categories.



Disclaimer:  Mortgage options are funded by 3rd party Lenders, and all underwriting requirements are based on 3rd party Lenders and Investors.  Guidelines and mortgage options requirements and are subject to change.  This is not a promise or commitment for a mortgage loan. Mortgage loan options may not be available in all States. For full licensing information, go to:    

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LISA HOME MORTGAGE, LLC. NMLS 1758932. Full licensing information, go to: Equal Housing Opportunity. This Licensee is performing acts for which a Mortgage Broker license is required. LISA HOME MORTGAGE, LLC, DBA LISA HOME MORTGAGE. The content in this advertisement is for informational purposes only. This is not a promise for a mortgage. This is not an offer for an extension of credit or a commitment to lend. Loan Approval is not guaranteed and is subject to lender review of information. All loans are subject to underwriting guidelines and guidelines are subject to change without notice. All loan options are funded through 3rd party Lenders. Loan descriptions are based on associated Lenders, Investors, and underwriting requirements. Loan is only Approved when the lender has issued an approval in writing. Specified rates are subject to change without notice due to market conditions. LISA HOME MORTGAGE is approved to broker FHA and VA loans to approved lenders. LISA HOME MORTGAGE is not affiliated with any government agency. Loan programs may not be available in all States. Licensed by the Pennsylvania Department of Banking - License 71074; Delaware Broker - License 03114; California Department of Financial Protection and Innovation Financing Law - License 60DBO-124075; Colorado Division of Real Estate Mortgage Company Registration; Alabama State Banking Department Mortgage Brokers - License 23071; Louisiana Residential Mortgage Lending License Office of Financial Institutions – License 1758932; Texas Department of Savings and Mortgage Lending Mortgage Company - License 1758932.