Self-Employed Mortgages in Burbank and Glendale
Secure a mortgage that works with your unique income as a business owner or freelancer in Burbank, Glendale, and throughout California. Corbett Uzel specializes in self-employed mortgage solutions, offering flexible documentation and personalized guidance so you can qualify for the home you want without the stress of traditional income requirements.
Personalized Mortgage Solutions for Self-Employed Borrowers
What Are Self-Employed Mortgage Solutions?
Self-employed mortgage solutions are designed for business owners, freelancers, gig workers, and independent professionals who may not qualify for traditional loans due to fluctuating income or tax deductions. These loans allow alternative income verification methods such as bank statements, profit-and-loss statements, or asset-based lending, making it easier to secure a mortgage without relying solely on tax returns.
Who Can Benefit from a Self-Employed Mortgage?
Self-employed individuals often face tougher mortgage approval requirements because traditional lenders rely on W-2 income and tax returns to assess financial stability. If you’re a freelancer, consultant, real estate investor, or entrepreneur with strong cash flow but lower taxable income due to write-offs, a self-employed mortgage solution can provide the flexibility you need to qualify.
How Do Self-Employed Mortgages Work?
Unlike conventional mortgages that require two years of tax returns, self-employed mortgage programs allow borrowers to use 12 to 24 months of personal or business bank statements as proof of income. Some lenders also accept CPA-prepared profit-and-loss statements or asset-based qualifications, ensuring that buyers with non-traditional income streams can still secure home financing.
What Types of Mortgages Are Available for Self-Employed Borrowers?
Several mortgage options are available for self-employed borrowers. Bank statement loans allow buyers to use account deposits to prove income instead of tax returns. Non-QM loans offer alternative qualification methods for those who don’t meet conventional lending guidelines. Some self-employed borrowers may still qualify for FHA, conventional, or jumbo loans, especially if they have high credit scores, financial reserves, and meet traditional documentation requirements.
What Are the Benefits of a Self-Employed Mortgage?
Self-employed mortgage programs provide greater flexibility by allowing borrowers to qualify based on real cash flow rather than taxable income. These loans eliminate the need for strict tax return verification, allowing business owners to leverage higher gross earnings instead of adjusted income after deductions. They also offer higher debt-to-income ratio allowances, making it easier for self-employed professionals to qualify for their desired loan amount.
Is a Self-Employed Mortgage Right for You?
If traditional mortgage approval has been a challenge due to the way your income is reported, a self-employed mortgage may be the ideal solution. These programs are tailored for entrepreneurs, small business owners, and independent professionals who need flexible loan options without the constraints of conventional documentation. A mortgage specialist can help determine which loan type best fits your financial situation.
Why Choose Us for Your Self-Employed Mortgage?
We specialize in helping self-employed borrowers secure mortgage financing with flexible qualification criteria. Whether you’re a business owner, freelancer, or independent contractor, we offer personalized mortgage solutions tailored to your financial situation.
From bank statement loans to asset-based financing, our team provides expert guidance and access to top lenders. We streamline the mortgage approval process, ensuring a smooth and efficient experience from application to closing.
If you’re ready to explore mortgage options as a self-employed borrower, contact us today to get started!
Mortgage FAQs for self-employed Californians
Freelancers, business owners and entertainment professionals often need a closer look at income documentation. These answers explain what lenders evaluate and how to prepare for a useful conversation with Corbett.
Is there a special mortgage that every self-employed borrower must use?
No. Being self-employed describes how you earn, not a single loan product. Conventional, FHA, VA and other programs may accept self-employment income. The right comparison begins with your documented income, credit, savings and property plans, rather than assuming you need a Non-QM loan.
How do lenders evaluate income that changes from month to month?
They examine earnings history, trends and the likelihood that income will continue. A strong month alone may not establish qualifying income, and a decline can need explanation. Bring records covering both busy and quiet periods so Corbett can help identify what the lender will need to understand.
How long must my business have been operating?
Many standard underwriting paths look for a two-year earnings history. A shorter history can sometimes be considered with supporting experience and documentation, but it is not an automatic exception. Share when your business started, your ownership percentage and your earlier work in the same field.
Do tax deductions make me ineligible for a conventional mortgage?
Not automatically. Lenders analyze the applicable tax returns and business cash flow; qualifying income is not simply gross revenue or the final taxable-income line. Some adjustments may be allowed under program rules. Ask for a documented income review before changing your financing plan, and leave tax decisions to your tax adviser.
What records should a freelancer or business owner organize?
Start with filed tax returns, business and personal statements, current profit-and-loss records and evidence of ongoing work or business activity. The lender determines the required period and supporting records. Keeping business and personal transactions clearly identifiable can make questions about deposits and expenses easier to resolve.
Could a bank statement loan suit my situation?
It is worth comparing when eligible deposits support a different income assessment from a tax-return-based loan. Lenders may account for business expenses, ownership and deposits that are not earnings. Ask Corbett to compare documentation, payment and costs with any standard loan you may qualify for.
Does self-employment always mean a higher rate or larger down payment?
No. The loan program and the overall application determine the terms. Do not apply a generic “self-employed minimum” to every borrower. Request a comparison using the same property, loan amount and down payment so differences in the offers are clear.
Information checked September 7, 2026. Further reading: Fannie Mae: self-employed income · CFPB: loan choices.