Whether you're a plumber, chef, freelancer, or physician with your own practice—simplified income verification and flexible qualification options designed specifically for self-employed professionals and business owners.
Bank statement or 1099 verification options
Work with variable income and tax strategies
Close in as little as 21 days
Self-employment shouldn't be a barrier to homeownership. Our specialized programs understand the unique financial picture of business owners and independent professionals.
Choose from bank statements, 1099s, CPA letters, or P&L statements. We work with how you manage your business finances.
We understand write-offs and business expenses. Qualify based on actual cash flow, not just tax returns that show lower income.
Streamlined underwriting designed for self-employed borrowers. No endless paperwork requests or delays.
Access conventional rates and terms. Being self-employed doesn't mean paying premium pricing.
Only 1-2 years self-employment history required in many cases. Growing your business? We can still help.
Primary residence, second home, or investment property. All property types and loan amounts considered.
From trades to tech, medicine to the arts—if you work for yourself, we have mortgage solutions designed for you.
Plumbers, electricians, contractors, HVAC specialists, and skilled tradespeople
Restaurant owners, chefs, salon owners, hospitality professionals
Designers, developers, consultants, writers, and creative professionals
See why our specialized self-employed mortgage programs offer a better path to homeownership for business owners and independent professionals.
Self-employed mortgages are specifically designed to work with how entrepreneurs actually manage their finances. No more being penalized for smart tax strategies or dealing with underwriters who don't understand business ownership.
We've streamlined the mortgage process specifically for self-employed borrowers. No unnecessary complications, just a clear path to homeownership.
Quick online application with basic business and income information. We'll discuss which documentation option works best for you—bank statements, 1099s, or P&L statements.
Our specialized underwriters review your business financials with an understanding of self-employment. We calculate qualifying income using methods that work for entrepreneurs.
Once you find your property, we finalize underwriting and prepare for closing. Our streamlined process is designed to move quickly without sacrificing thoroughness.
Close on your new home with confidence. Our team coordinates all final details to ensure a smooth closing day experience.
From application to keys in hand, our streamlined process is designed for efficiency without cutting corners. Most self-employed borrowers close within a month.
Real stories from self-employed professionals who achieved homeownership with our specialized mortgage programs.
"After being turned down by three banks because of my tax write-offs, E Mortgage Capital understood my business. They used my bank statements and I closed in 25 days. Finally, lenders who get entrepreneurship."
"Only two years of 1099 income and I thought homeownership was years away. The team showed me I qualified now using my consistent monthly deposits. Professional, knowledgeable, and genuinely helpful."
"The difference between traditional lenders and E Mortgage Capital is night and day. They actually understand variable income and seasonal work. No judgment, just solutions. Highly recommend to any self-employed professional."
"Starting my own practice meant lower taxable income for strategic reasons. Other lenders only saw the tax returns. E Mortgage Capital looked at the full financial picture and got me approved at a great rate."
Get answers to common questions about self-employed mortgages and our qualification process.
Every self-employed situation is unique. Schedule a free consultation with one of our self-employed mortgage specialists to discuss your specific circumstances and get personalized answers.
Schedule Free Consultation →Take the first step toward homeownership. Our self-employed mortgage specialists will review your unique financial situation and show you exactly what you qualify for—with no obligation and no hard credit pull until you're ready to proceed.
E Mortgage Capital is committed to helping self-employed professionals achieve homeownership. We understand your unique financial situation and have the specialized programs to make it happen.
