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1099 & Business Owners

Self-Employed Loan in Palm Beach Gardens, FL

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

$560,000
Median Home Price
1099 & Business Owners
Self-Employed Highlight
33410
Primary ZIP
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Get Pre-Approved in Palm Beach Gardens
5 minutes · No cost · Soft credit pull only
NMLS# 1859012 · Equal Housing Lender
Self-Employed Loan · Palm Beach Gardens

Self-Employed Loans From Your Palm Beach Gardens 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.

Palm Beach Gardens's median near $560,000 puts many purchases at the move-up end of Palm Beach County. Loan size and structure start to matter there. We line up the Self-Employed terms against that price point before you commit.

Home to corporate headquarters and gated golf communities, Palm Beach Gardens leans high-balance and jumbo. We shop reserves and rate structure hard for buyers at this price point.

What a Self-Employed Loan Offers in Palm Beach Gardens

✓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 Palm Beach Gardensprice 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
CityPalm Beach Gardens
CountyPalm Beach County
Broker NMLS#1859012
How It Works in Palm Beach Gardens
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 Palm Beach Gardens
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FAQ

Self-Employed Loan in Palm Beach Gardens Questions

How do I get a mortgage in Palm Beach Gardens 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 Palm Beach Gardens. 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 Palm Beach Gardens, FL?

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

How fast can a self-employed loan close in Palm Beach Gardens?

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 Palm Beach Gardens closing on schedule.

More Palm Beach Gardens Loan Programs

Other Loans We Write in Palm Beach Gardens

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

Can I qualify with one year of self-employment?What is a portfolio loan?Can I use 1099 income to qualify?What is an asset depletion loan?How long after Chapter 7 bankruptcy can I buy a home?Can I qualify on one income?
Browse all mortgage questions→
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Palm Beach Gardens Mortgage BrokerSelf-Employed Loan Program GuideAll Florida Loan ProgramsAll Florida CitiesApply for Pre-Approval

Self-Employed Loan in Palm Beach Gardens?

Your local Palm Beach Gardens 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.