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1099 & Business Owners

Self-Employed Loan in Hialeah, FL

Your licensed Hialeah mortgage broker for self-employed loans. We shop multiple lenders to find the right Self-Employed terms for your Hialeah purchase, and keep the file moving to the closing table.

$420,000
Median Home Price
1099 & Business Owners
Self-Employed Highlight
33010
Primary ZIP
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Get Pre-Approved in Hialeah
5 minutes · No cost · Soft credit pull only
NMLS# 1859012 · Equal Housing Lender
Self-Employed Loan · Hialeah

Self-Employed Loans From Your Hialeah Mortgage Broker

Self-employed borrowers have more mortgage options than most realize. Between conventional with two years of returns, bank statement programs, and 1099-only qualifying, the right path depends on how your income shows up on paper.

With a median around $420,000, Hialeah lands in Miami-Dade County's core first-time and move-up range. A Self-Employed loan fits squarely into how most buyers finance at this level.

Hialeah's dense, predominantly Cuban-American neighborhoods lean heavily on FHA financing, and we frequently help self-employed and ITIN borrowers who are common across the city.

What a Self-Employed Loan Offers in Hialeah

✓Conventional with two years of tax returns when income is clean
✓Bank statement qualifying when write-offs lower taxable income
✓1099-only programs for contractors
✓Profit-and-loss options for some business types
✓Two-year self-employment history is the usual baseline
✓We match the program to how you actually earn

As a broker, not a bank, we compare self-employed loan pricing across lenders at no cost. You get real numbers for your Hialeahprice point. Start with a five-minute application or call (561) 300-0380 and we will map the numbers to your situation. You can also read the full Self-Employed Loan program guide. Or review the CFPB's homebuyer guide for the official rules behind the program.

Self-Employed Loan Snapshot
OptionsConventional, bank statement, 1099
History2 years self-employed (typical)
Minimum Down3–20% by program
Best ForBusiness owners & contractors
CityHialeah
CountyMiami-Dade County
Broker NMLS#1859012
How It Works in Hialeah
01
Apply Online
5 min · soft credit pull only
02
Match Program
We shop lenders for your Self-Employed terms
03
Processing
Our team handles paperwork
04
Close
We coordinate title and signing in Hialeah
Get Pre-Approved
FAQ

Self-Employed Loan in Hialeah Questions

How do I get a mortgage in Hialeah if I am self-employed?

Start by deciding which income picture is stronger: your tax returns or your deposits. If returns show solid income, conventional works in Hialeah. If write-offs shrink the taxable number, a bank statement loan reads your real cash flow instead. We compare both for you.

How long do I need to be self-employed?

Two years is the standard baseline. Some programs accept one year of self-employment with a prior history in the same field. We confirm which programs your timeline opens.

Where can I get a self-employed loan in Hialeah, FL?

Mortgage Capital is a licensed Florida mortgage broker (NMLS# 1859012) writing self-employed loans in Hialeah and across Miami-Dade County. As a broker we shop multiple lenders for the program. You see real Hialeah pricing rather than one bank's box. Call (561) 300-0380 or apply online.

How fast can a self-employed loan close in Hialeah?

The timeline depends on the program, the appraisal, the title work, and how quickly the seller and their lender respond, so we do not quote a fixed number of days. We return most pre-approval decisions within one business day and order third-party reports as early as the contract allows. A fully underwritten pre-approval is the strongest way to keep your Hialeah closing on schedule.

More Hialeah Loan Programs

Other Loans We Write in Hialeah

FHA
Hialeah
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VA
Hialeah
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USDA
Hialeah
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Conventional
Hialeah
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Official resources

Verify the details for your own situation against these government and agency sources: IRS ITIN overview and CFPB non-QM explainer.

Self-Employed Loan Questions

What Hialeah borrowers ask us before they start a self-employed loan application.

Can I use 1099 income to qualify?Can I get a mortgage with write-offs on my taxes?Can I get a mortgage while self-employed?Can I get a mortgage as a gig worker?How much income do I need for a $500,000 mortgage?How do I improve my credit score before buying?
Browse all mortgage questions→
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Hialeah Mortgage BrokerSelf-Employed Loan Program GuideAll Florida Loan ProgramsAll Florida CitiesApply for Pre-Approval

Self-Employed Loan in Hialeah?

Your local Hialeah mortgage broker. 5-minute pre-approval, honest rates, fast closing.

Get Pre-Approved(561) 300-0380

Rates are illustrative only. APR and payments vary by credit score, loan amount, and market conditions. Subject to credit approval. Not a commitment to lend. NMLS# 1859012. Equal Housing Lender.