Self-Employed and Struggling to Qualify for a Mortgage?
You write off income to run a smart business. Traditional banks penalize you for it. We don’t.
Self-Employed loans
You write off income to run a smart business. Traditional banks penalize you for it. We don’t.
Traditional lenders rely heavily on tax returns and W-2s, often overlooking how self-employed borrowers actually earn. At Aslan Home Lending, we specialize in helping 1099 earners and business owners qualify using alternative documentation that better reflects real cash flow.
- Bank statement qualification options
- 1099 income welcome
- Commission and bonus income considered
- Tax write-offs don't have to derail approval
If You Are Financially Stable, Why Does Buying a Home Still Feel Out of Reach?
Big banks rely on one version of income. Real life is more complicated. If your income does not fit neatly into a W 2 box, you are not alone and you are not out of options.
- Self employed or business owner
- 1099 or independent contractor
- Freelancer or consultant
- Multiple income Streams
- Truck driver or owner operator
- Airline pilot or flight crew
- Traveling nurse or healthcare professional
- Commission based or bonus heavy earner
What Changes When a Lender Actually Looks at the Whole Picture?
How self-employed income qualification works:
Step 1 - We review how you actually earn
Instead of relying only on tax returns, we look at how income flows into your accounts. This may include bank statements, business income, commission earnings, or multiple income streams.
Step 2 - We match you with the right loan option
Based on your income profile, we identify loan programs designed for self employed borrowers. These options are built to account for write offs, variable income, and non traditional pay structures.
Step 3- We guide you through approval
Our team walks you through documentation, expectations, and next steps so there are no surprises. The goal is clarity, not complexity.
Common Questions from Self-Employed Borrowers
Do I need to provide tax returns?
Not always. Many self employed borrowers qualify using bank statements or alternative documentation. Heavy write offs do not automatically disqualify you.
I am a 1099 or independent contractor. Can I still qualify?
Yes. 1099 income and independent contractor income are welcome. We work with programs designed specifically for self employed borrowers.
What if my income changes month to month?
Variable income is common for business owners, commission based earners, and contractors. We look at income patterns and real cash flow, not just one snapshot in time.
I take a lot of write offs. Will that hurt me?
Write offs do not have to be a dealbreaker. Traditional banks rely heavily on taxable income. We use options that look beyond that.
Can this be used for buying or refinancing?
Yes. These loan options can be used for purchases, refinances, and cash out refinances depending on your goals.
I was told no by a big bank. Is it worth trying again?
Absolutely. Big banks use one rigid box. We specialize in borrowers who do not fit that box and help find a path to yes.
Curious to See What You Qualify For When Your Income is Looked at Differently?
A quick conversation can help you understand your options without commitment or pressure.
Aslan Home Lending Corporation
Company NMLS #: 1868120
1777 S. Harrison Street Denver, CO 80210
Phone: (720) 897-1525
Fax: 7203986034
Loan approval and terms subject to underwriting guidelines, investor approval, and credit review. Not all applicants will qualify. Programs, rates, and terms are subject to change without notice
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We offer a wide range of loan products including conventional, government, and non-QM options. Loan options are presented based on your qualifications.