Can I get a mortgage while self-employed?

Yes, self-employed borrowers qualify every day. The standard route uses two years of tax returns, with lenders averaging your net business income. Strong, stable or growing income makes this straightforward.

If write-offs shrink your taxable income, bank statement loans and 1099 programs let you qualify on deposits or gross receipts instead of net profit. We match self-employed Florida buyers to whichever method gives the highest qualifying income.

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