Self-employed home buyer considering home financing options

Mortgage Loans for Self-Employed Buyers in Southlake, TX

Being self-employed shouldn’t mean being shut out of homeownership. At Assurance Home Loans, we help business owners, freelancers, and independent contractors in Southlake qualify for mortgages using flexible income verification methods that go beyond traditional tax returns.

Why Self-Employed Buyers Need a Different Approach

Traditional mortgage guidelines rely heavily on W-2s and tax returns—documents that don’t always reflect the true earning power of self-employed individuals. That’s why we offer loan solutions that take your full financial picture into account.

Flexible Loan Programs for Self-Employed Buyers

Bank Statement Loans – Use 12 or 24 months of business or personal bank statements to verify income
1099-Only Loans – Ideal for independent contractors without W-2s
Asset-Based Loans – Qualify using liquid assets instead of income
Profit & Loss Statement Loans – Use CPA-prepared P&L documentation
Traditional Full-Doc Loans – For self-employed borrowers with strong tax filings

Are You a Good Fit for a Self-Employed Loan?

These options are great for:

Business owners and LLC/Corp shareholders
Freelancers, consultants, and gig economy workers
Real estate professionals and commissioned salespeople
Anyone whose tax returns understate real income

We Make It Work for Self-Employed Borrowers

Initial Strategy Session – We learn about your business and income structure
Program Matching – We recommend the best-fit options for your profile
Document Review – We help gather and present non-traditional income documentation
Approval Process – We work closely with lenders who understand self-employed files
Smooth Closing – We ensure the process stays efficient and transparent

Self-Employed Mortgages, Done Right

We work with lenders who specialize in complex income
Clear, honest guidance throughout the process
Flexible loan structuring tailored to your goals
Local Southlake expertise, nationwide reach
Respect for your time, business, and vision

You Built the Business—Now Let’s Build the Mortgage

Whether you're a startup founder or a seasoned freelancer, we’ll help you qualify on your terms. Let’s find the right mortgage for your income story.

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Self-Employed Mortgage FAQs

Can I qualify without tax returns?

Yes. Bank statement loans and other programs allow you to qualify using alternative documentation.

Do these loans require higher down payments?

Some non-traditional programs may require 10%–20% down, but we’ll explore all available options.

Will the interest rate be higher?

It depends on the program, but many self-employed borrowers are surprised at how competitive rates can be.

Pursuing the Art of Home Financing

You have a CHOICE when you need mortgage financing, and it is a PRIVILEGE to be considered for the job! We hope to EARN your goodwill and begin a long-time FRIENDSHIP with you.