Self-Employed Mortgage Lender Directory
Find the right home loan for your situation. We've researched and curated the best lenders for self-employed borrowers — bank statement, asset depletion, 1099 income, P&L, no-tax-return, and ITIN programs. Compare rates, terms, and requirements side by side with honest reviews from a 30-year lending industry veteran.
12 lenders · 8 loan types · Updated March 2026
Browse by Loan Type
Each loan type fits a different income situation. Choose the program that matches how you earn.
Self-Employed Income Programs
Alternative-documentation mortgages for business owners and 1099 earners
Bank Statement Loans
Bank statement loans let self-employed borrowers qualify on 12–24 months of personal or business bank deposits instead of tax returns. The anchor non-QM product for business owners whose write-offs make their tax-return income look smaller than the cash actually flowing into their accounts.
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Self-Employed Mortgages
A self-employed mortgage is any home loan designed for borrowers who own a business, freelance, or earn 1099 income and cannot easily document income with W-2s and pay stubs. This overview covers the full menu of alternative-documentation options and routes you to the right specific product.
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Asset Depletion Loans
Asset depletion loans (also called asset-utilization or asset-qualifier loans) let you qualify by converting your liquid assets into a hypothetical monthly income stream. Ideal for retirees, business owners between exits, and high-net-worth borrowers with large savings but little documented monthly income.
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1099 Income Loans
1099 income loans let independent contractors and gig workers qualify using their 1099 forms — and the income reported on them — rather than two years of full tax returns. A streamlined alternative-doc path for borrowers paid as contractors instead of employees.
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Profit and Loss (P&L) Only Loans
P&L-only loans qualify you on a profit-and-loss statement prepared by a CPA, EA, or licensed tax preparer — sometimes with no bank statements at all. The lightest-documentation path for established business owners who can produce clean financials.
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Specialty
Non-QM, no-tax-return, and ITIN mortgage programs
Non-QM Loans
A non-QM (non-qualified mortgage) is any home loan that falls outside the Consumer Financial Protection Bureau’s Qualified Mortgage rules — usually because it verifies income differently than agency loans. Non-QM is the umbrella that covers bank statement, 1099, P&L, asset-depletion, and ITIN mortgages.
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No Tax Return Mortgages
No-tax-return mortgages bundle the documentation paths that skip tax returns entirely — bank statement, 1099, P&L, asset-depletion, and limited stated-income-style programs. This overview helps self-employed borrowers find the right no-tax-return route and avoid outdated "no-doc" myths.
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ITIN Mortgages
ITIN mortgages let borrowers who use an Individual Taxpayer Identification Number (ITIN) instead of a Social Security number buy or refinance a home. A vital path to homeownership for self-employed taxpayers without an SSN who file and pay taxes.
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Featured Lenders
Our top-rated lenders for self-employed borrowers, selected for product breadth, competitive rates, and borrower experience.
Griffin Funding
4.5Griffin Funding is a consumer-direct lender that has built much of its brand around non-QM lending for the self-employed. Borrowers can apply directly online — no broker required — across bank statement, asset-based, 1099, and P&L programs in addition to conventional and VA loans.
7.25%–9.75%
90%
620
21–35 days
$100K–$5M
No experience required
New American Funding
4.0New American Funding (NAF) is one of the largest privately held mortgage lenders in the country, offering a full retail menu that includes non-QM options for self-employed borrowers alongside conventional, FHA, VA, and jumbo loans. Borrowers apply directly through NAF.
7%–9.5%
90%
620
21–40 days
$100K–$5M
No experience required
Newfi Lending
4.0Newfi Lending is a non-QM specialist that operates a genuine consumer-direct retail channel in addition to wholesale. Self-employed borrowers can apply directly for bank statement, asset-utilization, 1099, and ITIN programs without going through a broker.
7.25%–9.75%
90%
620
21–35 days
$100K–$4M
No experience required
Northpointe Bank
4.0Northpointe Bank is an FDIC-insured chartered bank that portfolios select non-QM products, letting self-employed borrowers apply directly for bank statement, asset-depletion, and P&L programs. As a depository institution, it underwrites and holds some of these loans itself.
7%–9.5%
85%
640
25–40 days
$100K–$3M
No experience required
Quick Lender Comparison
At-a-glance comparison of rates, LTV, credit score requirements, and closing speed across all lenders in our directory.
| Lender | Loan Types | Rate Range | Max LTV | Min Credit | Speed | Rating |
|---|---|---|---|---|---|---|
| Griffin Funding | Bank Statement, Self-Employed, Non-QM +5 | 7.25%–9.75% | 90% | 620 | 21–35 days | 4.5 |
| Angel Oak Mortgage Solutions | Bank Statement, Self-Employed, Non-QM +5 | 7%–9.75% | 90% | 620 | 25–40 days | 4.5 |
| New American Funding | Bank Statement, Self-Employed, Non-QM +5 | 7%–9.5% | 90% | 620 | 21–40 days | 4.0 |
| Newfi Lending | Bank Statement, Self-Employed, Non-QM +4 | 7.25%–9.75% | 90% | 620 | 21–35 days | 4.0 |
| Northpointe Bank | Bank Statement, Self-Employed, Non-QM +3 | 7%–9.5% | 85% | 640 | 25–40 days | 4.0 |
| Carrington Mortgage Services | Bank Statement, Self-Employed, Non-QM +5 | 7.25%–10% | 85% | 600 | 25–45 days | 4.0 |
| Deephaven Mortgage | Bank Statement, Self-Employed, Non-QM +5 | 7%–9.75% | 90% | 620 | 25–40 days | 4.0 |
| Acra Lending | Bank Statement, Self-Employed, Non-QM +4 | 7.25%–10% | 90% | 600 | 25–45 days | 4.0 |
| A&D Mortgage | Bank Statement, Self-Employed, Non-QM +5 | 7.25%–9.99% | 90% | 620 | 25–45 days | 4.0 |
| Newrez | Bank Statement, Self-Employed, Non-QM +4 | 7%–9.75% | 90% | 620 | 25–40 days | 3.5 |
| LoanStream Mortgage | Bank Statement, Self-Employed, Non-QM +5 | 7.25%–9.99% | 90% | 620 | 25–45 days | 3.5 |
| Champions Funding | Bank Statement, Self-Employed, Non-QM +5 | 7.25%–10% | 90% | 600 | 25–45 days | 3.5 |
Browse Lenders by State
Find lenders serving your state with local market context and state-specific comparison tables for self-employed borrowers.
Frequently Asked Questions
What type of mortgage can I get if I am self-employed?
Self-employed borrowers have several options beyond traditional W-2 loans. Bank statement loans qualify you on 12-24 months of business or personal deposits instead of tax returns. Asset depletion loans turn your savings and investments into qualifying income. 1099 income, profit-and-loss (P&L), and no-tax-return programs are also widely available. These are known as non-QM loans because they use alternative income documentation.
How does a bank statement loan work?
A bank statement loan lets you qualify based on the deposits in your bank statements (typically 12 or 24 months) rather than your tax returns. The lender averages your deposits to estimate your real income — which is often higher than what your tax return shows after business write-offs. This makes it a strong fit for freelancers, gig workers, and business owners.
Can I get a mortgage with low tax returns or large write-offs?
Yes. This is exactly the problem self-employed loan programs solve. If your tax returns understate your true income because of deductions and write-offs, a bank statement loan, P&L loan, or no-tax-return mortgage can qualify you on the income you actually earn rather than your adjusted net.
How much down payment do I need for a self-employed mortgage?
Most non-QM and bank statement programs require 10-20% down, depending on your credit score and the lender. Stronger credit and larger reserves can lower your down payment and improve your rate. Some programs go as low as 10% down for well-qualified borrowers.
What credit score do I need for a self-employed loan?
Many bank statement and non-QM lenders accept credit scores as low as 620, and some go lower with a larger down payment. The higher your score, the better your rate and the lower your required down payment. Strong reserves and a clean payment history also help you qualify.
How We Review Lenders
Every lender in this directory has been researched and evaluated by our editorial team, led by Bill Rice, a 30+ year veteran of the mortgage lending industry. We evaluate lenders on rate competitiveness, product range, closing speed, credit requirements, customer experience, and transparency.
We are not a lead generation company. We do not sell your information to lenders. Our directory is designed to help you make informed financing decisions with transparent, side-by-side comparisons and honest editorial reviews. Some lenders in this directory may have affiliate partnerships with Self-Employed Lending Hub — this is always disclosed and never influences our ratings or editorial content.
Know What You Can Qualify For
Use our free calculators to estimate your qualifying income, then find the right lender to finance your home.