Self-Employed Mortgages

Mortgage Loans for Self-Employed Borrowers in Texas

Multiple paths to mortgage qualification for business owners, contractors, freelancers, and other self-employed borrowers.

Apply Now Schedule a 15-min call

About this program

Self-employed borrowers face a structural problem in mortgage qualification: the tax deductions that make smart business sense also lower the taxable income an underwriter sees. That can leave business owners 'house poor on paper' even when their actual cash flow easily supports a mortgage.

The good news is there isn't a single self-employed mortgage program; there's a whole menu. Bank statement loans qualify on deposits. P&L-only loans use a CPA-prepared profit and loss statement. VOE-only loans use an employer verification. Traditional conventional loans still work for self-employed borrowers with two years of returns and steady income. The right answer depends on your tax picture, your business type, and what you are buying.

Self-employed borrowers are a focus of Vanessa's practice. We will look at your specific scenario and recommend the program that puts you in the best position.

Who it's for

Key terms

Program variety
Bank statement, P&L-only, VOE-only, asset-based, and traditional conventional all available.
Documentation
Tailored to the program: sometimes tax returns, sometimes bank statements, sometimes neither.
Down payment
Varies by program and credit profile.
Pricing
Conventional typically prices best when it fits; non-QM trades pricing for documentation flexibility.

Specific terms vary by lender, program, and borrower profile. All loans are subject to credit, income, property, and underwriting approval. Not a commitment to lend.

Frequently asked questions

Can I get a mortgage if I'm self-employed?
Yes. We work with self-employed borrowers regularly through bank statement loans, P&L-only loans, VOE-only programs, and other alternative documentation options.
Do I need two years of tax returns?
Not necessarily. Conventional and FHA loans typically request two years of tax returns, but bank statement, P&L-only, and VOE-only programs are designed to work without them.
What documents do self-employed borrowers typically need?
Common options include 12 to 24 months of personal or business bank statements, a CPA-prepared profit and loss statement, or a verification of employment, depending on the loan program. We tailor the document set to the program that fits your scenario.
What if my tax returns don't reflect my real income?
That is a common situation for business owners and contractors. Programs like bank statement loans qualify you on your actual cash flow rather than your taxable income.

Have a different question? See all mortgage FAQs or get in touch .

Serving these areas

Self-Employed Mortgages are a regular fit in these Central Texas markets.

Wimberley, TX See all locations →

Related programs

Bank Statement Loans

Mortgage program that lets self-employed borrowers qualify using personal or business bank statements instead of tax returns.

Learn more

VOE-Only Loans

Mortgage program that uses verification of employment in place of tax returns, pay stubs, and W-2s.

Learn more

Non-QM Loans

Non-qualified mortgages designed for borrowers whose situations don't fit the standard conventional or government underwriting box.

Learn more

See all loan programs →

Ready to Get Started?
Get Your Free Mortgage Quote Today!

Dive into the possibilities of homeownership — start with a no-obligation, free mortgage quote and see where your future can take you!

Get My Quote

Ready to Fast-Track
Your Homeownership Journey?

Don't just dream, act now! Apply directly for your loan and make your home aspirations a reality.

Apply Now

Get in touch

You have questions and we have answers.

Contact Us

Vanessa Jones Schlomer

Title
Branch Manager
Loan Officer NMLS Number
NMLS# 893657
State Licenses
Serving Texas, California, Colorado, Florida, Georgia, North Carolina, South Carolina, Tennessee
Office
14201 Ranch Road 12, Suite 3
Wimberley, TX 78676
Email
[email protected]
Phone number
+1 (512) 790-0947