Loan programs

Self-Employed

Mortgages that qualify you on real-world income — not just a W-2.

Business owners and freelancers often show lower taxable income on paper than they actually earn. Self-employed programs — like bank-statement loans — let lenders qualify you using 12–24 months of business or personal bank deposits, 1099s, or a profit-and-loss statement instead of tax returns.

How it works

Bank statements instead of tax returns

Lenders review your actual deposits over 12–24 months to establish income, so legitimate business write-offs don't work against you the way they can on a conventional application.

Works for buying and refinancing

These programs aren't purchase-only — self-employed borrowers can use them to refinance or access equity too.

A good fit if you're…

Business owners with 2+ years of self-employment
Freelancers and independent contractors
Strong earners whose tax returns understate their income

This page is educational and doesn't constitute financial advice or a loan offer. Honest Loans is a lead-generation service, not a lender — program availability, rates, and terms come solely from independent lending partners and are subject to their approval and requirements.

Explore other loan programs

Home Purchase

Conventional, jumbo, FHA, and first-time buyer programs with as little as 0–3% down.

Refinance

Lower your rate, shorten your term, or switch loan types with rate-and-term refinancing.

VA Loans

$0-down purchase, VA Streamline (IRRRL), and VA Cash-Out options for those who served.

Home Equity / HELOC

Tap your equity for renovations, debt consolidation, or major expenses.

Reverse Mortgage (HECM)

For homeowners 62+: convert home equity into cash with no required monthly mortgage payment.

Investor / DSCR

DSCR and investment-property financing that qualifies on the property's cash flow.