Home Financing Made Easy for Self-Employed Borrowers

At Crestico Funding, we understand that self-employed individuals face unique challenges when applying for traditional home loans.

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Check Eligibility

Step 2

Payment Option

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Get Approved

Step 4

Close the Loan

Step 5

Repayment & Loan Terms

Simplified Home Loans for Self-Employed Individuals

Being self-employed shouldn’t limit your ability to achieve homeownership. Crestico Funding offers Self-Employment Income Loans that allow business owners, freelancers, and independent contractors to qualify for a mortgage without the usual documentation hurdles. No more worrying about complicated tax returns—our solutions are designed with your unique income structure in mind.

How Does It Work?

Traditional mortgage programs often require extensive paperwork, such as tax returns, W-2 forms, and consistent salary payments. But what if your income comes from multiple sources or fluctuates from month to month? Crestico’s Self-Employment Income Loans allow you to qualify for a loan based on actual business earnings or cash flow, making the process smoother and faster.

Skip the Stress of Tax Returns: Use your actual income to qualify, without the headache of gathering tax records.

Adaptable Loan Solutions: Our self-employment loans work with various types of businesses and income structures, including sole proprietors, LLCs, and independent contractors.

Streamlined Process: We understand that as a business owner, time is valuable. Our application process is quick, and we provide fast approvals so you can move forward with your real estate goals.

Competitive Rates & Flexible Terms: Just because you’re self-employed doesn’t mean you should pay higher rates. Crestico offers competitive interest rates and flexible terms for self-employed borrowers.

Frequently Asked Questions (FAQs)

What are the benefits of a Self-Employment Income Loan?

No Tax Returns Required: Simplify the application process without needing to gather extensive tax records.

Flexibility: You can use a variety of documents to prove your income, making it easier to qualify.

Quick Approval: Get approved faster with fewer hurdles compared to traditional loans.

Competitive Rates: Access home financing at competitive interest rates and flexible terms.

Can I use a Self-Employment Income Loan for any type of property?

Yes! Our Self-Employment Income Loans are available for a variety of properties, including:

  • Primary residences
  • Second homes
  • Investment properties

What if my business is new?
If you have recently started your business, you may still be eligible for a Self-Employment Income Loan. The key is demonstrating consistent income over the first few months or a strong business plan showing future earnings potential. Crestico’s team will work with you to determine your eligibility based on your unique situation.
What happens if I don’t have profit and loss statements or bank statements?
If you do not have profit and loss statements or bank statements, there may be other ways to verify your income, such as providing 1099 forms or other documentation that shows your income. Our team can help determine the best alternative for your situation.

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At Crestico, our loan programs are designed to meet a wide range of financial needs—whether you're buying your first home, refinancing, investing in property, or looking for flexible financing options. From conventional and government-backed loans to non-traditional and specialty programs, we offer solutions that align with your goals. Our experts help match you with the right loan, offering competitive rates, personalized terms, and a smooth approval process.