Self-Employed
Self-employed? You have more options than you think.
Being your own boss shouldn't stand between you and a home. It just calls for a smarter approach to documenting income.
Self-employed borrowers often show lower taxable income after deductions, which can make traditional qualifying harder. The solution isn't fewer options - it's the right program for how you actually earn.
From conventional loans using tax returns to bank statement and alternative-income programs, there are proven paths for business owners, freelancers, and 1099 earners to buy or refinance.
Quick facts
- Programs
- Conventional & bank statement
- Docs
- Returns, 1099s, or bank statements
- History
- Often 1-2 years self-employed
Key advantages
- Conventional financing using tax returns
- Bank statement loans based on deposits, not tax returns
- 1099 and profit-and-loss based options
- Strategies tailored to how your business actually earns
What to keep in mind
- Two years of self-employment history is often preferred
- Alternative-income programs may carry different pricing
- Clean, organized documentation makes approval smoother
Frequently asked questions
Finished “Self-Employed”? Here's what's next
- Debt-to-income explainedWhy: DTI is where self-employed files are usually decided.
- Credit score guideWhy: Strong credit offsets documentation complexity.
- Construction loans: from blueprint to front door.Why: Closely related reading: “Construction loans: from blueprint to front door.”
- Conventional loans: the flexible standard.Why: Closely related reading: “Conventional loans: the flexible standard.”
Last reviewed January 2026. Educational information only, not a commitment to lend, a rate quote, or a guarantee of approval. Blueprint Home Loans LLC is licensed in Florida; loan program rules are federal and apply nationally.
Let's document your income the right way.
Bring your questions - we'll find the program that fits how you actually earn.
This information is for educational purposes only and is not a commitment to lend or a guarantee of approval. Program guidelines, rates, and eligibility vary by lender, location, and individual circumstances and are subject to change. Please consult a licensed mortgage professional for guidance specific to your situation.