Loan Programs
What Is a Self-Employed Mortgage? A Complete Guide
What is a self-employed mortgage? A complete guide to bank statement, 1099, P&L, WVOE, asset-based, ITIN, and foreign national loan programs in one place.
Tanner CookUpdated 7 min
Self-Employed Lending
Loan Programs
How each self-employed loan program works — bank statement, 1099, P&L, asset-based, ITIN, and foreign national.
Loan Programs
P&L-Only Loans: Qualifying With a CPA-Prepared Profit and Loss Statement
Learn how a P&L-only mortgage lets self-employed borrowers qualify with a 12-month CPA-prepared profit and loss statement instead of tax returns and a 4506.
Tanner CookUpdated 8 min
Loan Programs
Cash-Out Refinance Without Tax Returns: How Self-Employed Owners Tap Equity
How self-employed homeowners can cash-out refinance without tax returns — qualifying with bank statements, 1099s, or assets, plus how delayed financing works.
Tanner CookUpdated 5 min
Loan Programs
Asset-Based Mortgages: Qualifying on Your Savings and Investments
Asset-based mortgages turn savings, investments and retirement balances into qualifying income. How investors discount assets, the math, and who it fits.
Zac CookUpdated 8 min
Loan Programs
Buying a Second Home or Investment Property Without Tax Returns
How self-employed buyers can purchase a second home or investment property using bank statement deposits instead of tax returns and business write-offs.
Zac CookUpdated 7 min
Loan Programs
WVOE Loans: Qualifying With an Employment Verification Form Instead of Paystubs
WVOE loans let eligible borrowers qualify with an employer-completed verification form instead of paystubs, W-2s, or tax returns. Here's how the program works.
Tanner Cook5 min
Loan Programs
Financing Non-Warrantable Condos and Condotels
What makes a condo non-warrantable, how condotels differ, and how non-QM financing handles both when the building — not the borrower — is the obstacle.
Zac Cook6 min
Loan Programs
ITIN and Foreign National Home Loans: Buying Without a U.S. Credit History
ITIN filers and foreign nationals can still buy U.S. property. Learn the two distinct loan paths for buyers without a Social Security number or U.S. credit.
Tanner Cook6 min