A home loan brand of Matador Lending · NMLS #2072896 · Equal Housing OpportunityCall or text713-366-4668
Guides

Mortgage guides for small business owners

Plain-English guides on bank statement loans, 1099 mortgages, P&L loans, write-offs, and buying a home when you work for yourself.

Basics

Mortgages for small business owners: how to qualify on your real income

The complete guide to mortgages for small business owners: why tax returns undersell you, which programs use your real income, and how to prepare a strong file.

Read guide 9 min
Bank Statement

How bank statement loans work for self-employed business owners

Bank statement loans use your deposits, not your tax return, to show income. Here is how lenders calculate it, who the program fits, and how to prepare.

Read guide 7 min
Qualifying

How to get a mortgage without tax returns when you are self-employed

You can get a mortgage without tax returns. Here are the programs that verify income another way, what each one asks for, and how to pick the right fit.

Read guide 7 min
Qualifying

Self-employed mortgage requirements: what lenders really look for

Credit, time in business, income documents, DTI, and reserves: here is what lenders typically require from self-employed borrowers and how to prepare.

Read guide 7 min
1099 & Contractors

The 1099 mortgage guide for independent contractors

Paid on a 1099? Here is how a 1099 mortgage works, how lenders read your income, and what to have ready before you check your options.

Read guide 7 min
Qualifying

Do tax write-offs affect your mortgage? How deductions change what you qualify for

Your write-offs save you money in April but can shrink what a lender counts. Here is how deductions affect your mortgage and the programs that look past them.

Read guide 7 min
P&L

How a P&L mortgage works for self-employed business owners

A P&L mortgage uses a CPA-prepared profit and loss statement to show your income. Here is how lenders review it and who the program fits best.

Read guide 7 min
Qualifying

How lenders calculate self-employed income, method by method

Tax returns, bank statements, 1099s, a P&L, or rental cash flow. Here is how lenders turn each one into a qualifying income number.

Read guide 8 min
Qualifying

Getting a mortgage for LLC and S corp owners

Your business structure changes how a lender reads your income. Here is what LLC and S corp owners should know before applying for a home loan.

Read guide 8 min
Qualifying

Denied a mortgage because you're self-employed? Here's what to do next

A mortgage denial usually says more about the loan program than about you. Here's why self-employed borrowers get turned down and what to try next.

Read guide 7 min
Bank Statement

The bank statement loan documents checklist for business owners

A practical checklist of the documents lenders usually ask for on a bank statement loan, plus tips to keep your file clean from the start.

Read guide 7 min
Bank Statement

Business vs. personal bank statements for a mortgage: which should you use?

Lenders treat business and personal bank statements differently. Here's how each is calculated and how to pick the account that shows your income best.

Read guide 7 min
Investors

DSCR loans for business owners: qualify on the rental, not your tax return

DSCR loans qualify you on the rental's income, not your tax return. Here's how the ratio works and why business owners who invest in real estate use them.

Read guide 7 min
Basics

What is a non-QM loan? A plain-English guide for self-employed borrowers

Non-QM loans let lenders verify income in ways that fit how business owners actually earn. Here's what the term means and how these mortgages work.

Read guide 7 min
Qualifying

Getting a mortgage when you've been self-employed less than 2 years

Two years of self-employment is common, but it is not always required. Here's how lenders view newer businesses and what options may be open to you.

Read guide 7 min

Find out what you qualify for in about 60 seconds

No tax returns. No credit pull to start. Just a straight answer from a broker who works for you.

Equal Housing Opportunity · NMLS #2072896 · Powered by Matador Lending

CallSee If You Qualify