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1099 & Business Owners

Self-Employed Loan in Jacksonville, FL

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

$330,000
Median Home Price
1099 & Business Owners
Self-Employed Highlight
32202
Primary ZIP
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Get Pre-Approved in Jacksonville
5 minutes · No cost · Soft credit pull only
NMLS# 1859012 · Equal Housing Lender
Self-Employed Loan · Jacksonville

Self-Employed Loans From Your Jacksonville 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 $330,000, Jacksonville lands in Duval County's core first-time and move-up range. A Self-Employed loan fits squarely into how most buyers finance at this level.

Jacksonville's size means everything from downtown condos to suburban family homes. With Naval Station Mayport and NAS Jacksonville nearby, VA loans are a major part of the local picture alongside FHA and conventional financing.

What a Self-Employed Loan Offers in Jacksonville

✓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 Jacksonvilleprice 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
CityJacksonville
CountyDuval County
Broker NMLS#1859012
How It Works in Jacksonville
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 Jacksonville
Get Pre-Approved
FAQ

Self-Employed Loan in Jacksonville Questions

How do I get a mortgage in Jacksonville 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 Jacksonville. 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 Jacksonville, FL?

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

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

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 Jacksonville closing on schedule.

More Jacksonville Loan Programs

Other Loans We Write in Jacksonville

FHA
Jacksonville
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VA
Jacksonville
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USDA
Jacksonville
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Conventional
Jacksonville
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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 Jacksonville borrowers ask us before they start a self-employed loan application.

Can I get a mortgage with 1 year self-employment?What is a portfolio loan?Do I need two years of self-employment to qualify?Can I get a mortgage as an Uber driver?Can I buy a home making $50,000 a year?Do first-time buyers get lower rates?
Browse all mortgage questions→
Tools & Programs
Credit Score620 Score, CONVENTIONAL LoanCalculatorSelf-Employed Income CalculatorbuyersEngineers Home LoansProperty TypeTownhouse: ConventionalGlossaryHousing Expense Ratio: definitionrefinanceDebt Consolidation Refinance: CalculatorGuideComplete DSCR Loan GuideDown PaymentZero Down with Florida
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Jacksonville Mortgage BrokerSelf-Employed Loan Program GuideAll Florida Loan ProgramsAll Florida CitiesApply for Pre-Approval

Self-Employed Loan in Jacksonville?

Your local Jacksonville 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.