Being good at tax is not the same as being unmortgageable.
Self-employed mortgages across Maryland, Virginia, Washington DC, North Carolina and Florida, from our office in Fulton, Maryland.
Every deduction your accountant found makes your taxable income smaller. A bank reads that literally. We do not have to.
Applications go out without your personal information attached. You decide who sees it in full.
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Start with how you actually get paid
| YOUR SITUATION | WHY THIS LOAN FITS | GO TO |
|---|---|---|
| You write off aggressively and legally | Deposits can be used in place of the return | Bank statement loans → |
| Your books are cleaner than your bank account | A prepared statement does the work instead | P&L only → |
| You live off investments or savings | Your assets can be converted into a qualifying income | Asset depletion → |
| You are a 1099 contractor | Especially common across Northern Virginia and DC | Government contractor → |
| You are buying a rental | The property’s rent can qualify it without touching your income at all | DSCR loans → |
| Your income is genuinely straightforward | Then a conventional loan may still be cheapest, and we will say so | Conventional loans → |
One application. Better options. Simple process.
One simple application gives us what we need to explore the right mortgage options for your unique situation.
1
Submit the documents
Upload the required documents so we can review your application and move your loan forward.
2
We Shop 100+ Lenders
We compare lenders and find the loan options that fit your situation.
3
You Choose. We Close
Pick the option that works for you. We handle the process from underwriting to closing.
The five ways to prove what you earn
Tax returns
The normal route. Cheapest when it works, which for many self-employed people it does not.
Bank deposits
Twelve or twenty-four months of statements become the income figure.
A prepared profit and loss statement
Your accountant states the position. The lightest paperwork of the group.
Your assets
Savings and investments converted into a qualifying income without being spent.
The property itself
On a rental, the rent qualifies the loan and your income never comes into it.
A lender for each of them
The five routes exist. Finding the lender that runs yours well is the actual work.
No rates or figures here on purpose. Yours depend on your credit, the county and the program. A licensed loan officer gives you real numbers on the call.
What to watch for, and we will not bury it
A bank decline is not a market decline
One institution reads your return one way. Others read income four other ways entirely.
Filing differently to get a mortgage is expensive
People sometimes plan to report more income for a year. Compare that tax cost against the pricing difference before you do it.
Non-QM pricing is higher
It should be judged against the alternative, which is often not buying at all.
Nadeem Bhatti
Where we place self-employed files
Maryland
Virginia
Washington DC
North Carolina
Florida
Texas
We are a mortgage company serving these areas. We do not keep a branch in each one. Every mortgage loan is worked from 8115 Maple Lawn Blvd, Suite 350, Fulton, Maryland.
What self-employed borrowers ask first
Can I get a mortgage if I am self-employed?
Yes, and usually more easily than people expect. The question is which of five income routes suits your file.
Do I need two years of accounts?
For a conventional loan, generally. For the alternatives, requirements vary considerably by lender.
Will my write-offs count against me?
On a tax return route, yes. That is precisely why the other routes exist.
Should I file differently next year to qualify?
Sometimes, but do the maths first. The extra tax can outweigh the pricing difference by a wide margin.
Is a non-QM loan permanent?
No. Many borrowers refinance into conventional lending later once their documentation supports it.
Find out how your income reads
Tell us how you get paid. We will show you which of the five routes fits your file, free.