Can I get a jumbo loan while self-employed?
Yes. Self-employed borrowers get jumbo loans with two years of tax returns, or through bank statement jumbo programs that qualify on deposits instead of net income. Strong reserves help.
If write-offs lower your taxable income, the bank statement route often qualifies you for more. We'll choose the documentation method that maximizes your jumbo approval.
Yes, with the right proof
Yes, self-employed buyers get jumbo loans regularly. You document income with two years of tax returns, or through a bank statement jumbo loan that uses your deposits instead.
Lenders want to see steady, well-documented income given the large loan amount.
Options for business owners
If write-offs lower your taxable income, a bank statement jumbo loan can qualify you on cash flow and often boosts your borrowing power. Strong reserves strengthen the file.
We specialize in jumbo loans for the self-employed. Apply now and we will find the program that reads your income best.
Verify the details for your own situation against these government and agency sources: FHFA conforming loan limits and CFPB Owning a Home guide.