SELF-EMPLOYED
HOME LOANS
Flexible purchase and refinance options designed for self‑employed borrowers using bank statements or alternative income documentation.
Key Features
12–24 Month Bank Statements | 1099 or Profit & Loss | No Tax Returns | Higher DTI Limits
Why EHGM's Self-Employed Loans Are Different​
Our Non‑QM pre‑approvals are fully structured upfront. We review income calculations, documentation, and lender overlays early, helping prevent surprises in underwriting and ensuring a smoother path to closing.
Lower Fees, More Non‑QM Buying Power
As a mortgage brokerage, we compare multiple Non‑QM and bank statement lenders to find competitive pricing and reduced fees. That means stronger buying power, better loan terms, and more flexibility than working with a single lender.
More Loan Options, One Application
Instead of being limited to a single bank’s Non‑QM program, we shop several lenders with different income methods—bank statements, 1099s, P&L, and more. You get more ways to qualify and a customized solution with one simple application.
Faster Turn Times & More Flexible Processes
We partner with lenders known for efficient Non‑QM underwriting and hands‑on communication. This allows for quicker decisions, flexibility when documentation changes, and fewer delays for self‑employed borrowers.
​100% of clients work directly with a licensed advisor — never a call center.
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Self-Employed Home Loans Criteria
What you can expect
Max Loan Amount
$75K to $4MM+ (loan limits will vary by lender).
Purchase, Refinance, & Cash-Out
Minimum 10% down payment with 700+ FICO for purchases. Max loan-to-value is 80% for rate & term refinances and cash-out refinances.
Credit
Minimum 640+ FICO with 30% down payment on purchases and 75% LTV cap on refinances.
Residency
US Citizens, Permanent Resident Aliens, Non Permanent Resident Aliens, & Foreign Nationals allowed.
Income
No income limits. Income documentation is based on loan program and borrower profile. 1099s, personal and business bank statements, or profit & loss statements are allowed.
Assets & Reserves
Assets must be sourced and seasonsed for 60 days. 3 months minimum reserves required. Gift funds are allowed.