About Self-Employed Lending Hub
Mortgages for the Self-Employed, Demystified
I'm Bill Rice. I've spent 30+ years in the mortgage lending industry, and I built Self-Employed Lending Hub to help freelancers, 1099 contractors, and business owners qualify for a home loan on the income they actually earn — not just what their tax return shows.
My Story
After three decades in mortgage lending, I've seen every side of home finance. I've helped thousands of borrowers get loans, watched markets boom and crash, and learned firsthand how underwriters really evaluate income. That experience gave me a deep understanding of how self-employed borrowers actually get approved — the numbers behind the numbers.
Along the way I kept running into the same problem: the most capable self-employed buyers — freelancers, gig workers, 1099 contractors, business owners — get turned away because their tax returns understate what they truly earn. And the information online is either too superficial to be useful or too salesy to be trusted.
Self-Employed Lending Hub is my answer to that problem. It explains the loan programs built for people like you — bank statement loans, asset depletion, 1099 income, P&L and no-tax-return mortgages — in plain English. Every calculator, every guide, every glossary term comes from wanting to build the resource I wish self-employed borrowers had all along.
Why I Built Self-Employed Lending Hub
In lending, I learned that the borrowers who get approved are the ones who understand how their income is measured. They know which programs read bank-statement deposits instead of tax returns, how asset depletion turns savings into qualifying income, and what an underwriter actually needs to see. I wanted to give every self-employed buyer access to that same level of clarity.
So I built free tools — calculators for bank statement income, self-employed affordability, asset depletion, 1099 income, and mortgage payments. I wrote plain-English explanations of every non-QM and self-employed mortgage term I could think of. And I started publishing guides that go deeper than the surface-level advice you find everywhere else.
This isn't a company trying to sell you a course or a subscription. It's one person with decades of lending experience who wants to help self-employed borrowers qualify with confidence. If I can help you turn a "no" into a "yes" on your home loan, this whole project is worth it.
Background & Credentials
30+ Years in Mortgage Lending
Three decades of experience in mortgage origination, underwriting, and financial services — knowing exactly how lenders evaluate self-employed income.
AFOSI Special Agent
Former Special Agent with the U.S. Air Force Office of Special Investigations (AFOSI). Air Force Academy graduate (B.S., 1992).
BRSG Founder
Founder of Bill Rice Strategy Group (BRSG), bringing strategic thinking to self-employed mortgage education and content.
Self-Employed Mortgage Specialist
Focused on non-QM and self-employed lending — every guide, calculator, and explainer is informed by real underwriting experience.
What You'll Find Here
Free Mortgage Calculators
Bank statement income, self-employed affordability, asset depletion, 1099 income, and mortgage payments — see what you can qualify for.
Expert Guides & Blog
Deep-dive articles on bank statement loans, non-QM programs, qualifying income, and getting approved.
Mortgage Glossary
150+ self-employed and non-QM mortgage terms explained in plain English with practical examples.
Lender Directory
Compare lenders that specialize in bank statement, asset depletion, 1099, and other self-employed loan programs.
Weekly Newsletter
Plain-English mortgage education and tips for self-employed borrowers every Tuesday.
Join the Weekly Newsletter
Plain-English mortgage education and qualifying tips for self-employed borrowers, from someone who's been in lending for 30+ years. Free, no spam.