How getting a self-employed mortgage works
A clear, mostly remote process built around business owners' schedules. Here's what happens from your first click to closing day.
Prequalify in about 60 seconds
Tell us what you want to do and how you get paid. No tax returns, no Social Security number, and no credit pull to start.
Talk with a loan officer
A licensed Matador loan officer reviews your answers and reaches out by text or phone to understand your business and goals.
We match you across 150+ lenders
We compare bank statement, 1099, P&L, DSCR, asset-based, and traditional options, and show you which fits your file best.
Upload documents from your phone
You get a checklist built for your program. Upload statements, 1099s, or a P&L securely. No branch visits.
Apply and e-sign
Once your program is chosen, you complete a secure application and e-sign disclosures. This is when credit is pulled, with your permission.
Underwriting and appraisal
The lender reviews your file and orders an appraisal. We stay on top of conditions and keep you updated.
Close on your home
Sign closing documents with the title company. Mobile or remote notary options may be available depending on your state.
About the process
How long does a self-employed mortgage take?
Timelines depend on the program, the lender, the appraisal, and how quickly documents come in. Your loan officer will give you a realistic timeline for your specific file once your program is chosen.
When do you pull my credit?
Not during prequalification. Credit is pulled when you complete a full application, and only with your permission.
Do I have to come into an office?
No. Most of the process happens online and by phone. If you're near Houston and prefer to meet, our office is open by appointment.
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