Your tax write-offs shouldn't cost you your dream home.

Traditional banks penalize self-employed individuals for taking smart tax deductions. We don't. Qualify for a home loan using just your Bank Statements or 1099s.

No W-2s required
No Tax Returns needed
Up to $3,000,000 loan amounts

Check Your Eligibility

Takes 60 seconds. Won't affect your credit score.

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Empowering the new economy

Business Owners Consultants Independent Contractors Realtors

A mortgage that understands your hustle.

As a business owner, your tax returns rarely show your true purchasing power. Our Non-QM (Non-Qualified Mortgage) programs use alternative documents to get you approved.

Bank Statement Loans

We calculate your income based on 12 or 24 months of personal or business bank statements. We simply look at your gross deposits—ignoring your tax write-offs entirely.

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1099 Only Loans

Perfect for independent contractors, real estate agents, and gig workers. If you receive 1099 forms instead of W-2s, we can use your last 1-2 years of 1099s to qualify you directly.

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Asset Depletion Loans

Have substantial liquid assets but no current regular income? We can divide your total eligible assets (cash, stocks, retirement accounts) to create a qualifying monthly income stream.

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Skip the tax return hassle in 3 steps.

1

Submit Statements

Securely upload or link 12 to 24 months of your personal or business bank statements online.

2

We Calculate Income

Our specialized underwriters calculate your qualifying income based on gross deposits. (We ignore the write-offs!)

3

Get Approved

Receive your pre-approval letter and start shopping for your home, or lock in your refinance rate.

Don't let banks hold you back.

Thousands of entrepreneurs have successfully funded their homes with SelfMade.

"My CPA saved me on taxes, but my bank denied my mortgage."

"I run a successful landscaping LLC grossing over $400k a year. But after buying new equipment and writing off expenses, my tax return showed I only made $45k. Traditional banks laughed at me. SelfMade looked at my business bank statements and approved me for $800k in 3 days."

Daniel M.

Small Business Owner

"Used my 1099s to buy my first house."

"As a freelance software engineer, my income varies from month to month and I only get 1099s. It's impossible to get a regular mortgage. SelfMade's 1099 program was a lifesaver. The process was completely digital and frictionless."

Sarah K.

Freelance Consultant

Stop letting tax returns dictate your life.

Get pre-approved today using your bank statements. No strings attached.

Start My Pre-Approval