Helping self-employed borrowers secure financing doesn’t have to be a challenge. At FNBA, we equip you with flexible Non-QM loan options tailored for self-employed clients. Instead of relying on traditional income documentation such as W-2s or full tax returns, our programs allow alternative income verification—including bank statements and 1099s—making qualification more achievable. Whether your client is a small business owner, independent contractor, gig worker, or freelancer, our self-employed mortgage solutions are designed to align with how they actually earn income, helping you close more deals with confidence.
Minimum requirements :
- 12 Months of Income History
- No Prepayment Penalties
- Financing for Single Family Homes, 2nd Homes, Multi-Family, Vacant Land, Non-Warrantable Condos, Barndominiums, Mobile Homes and more
- Minimum Down Payment of 15% Required
- Debt-to-Income (DTI) of up to 60%
- Flexible Income Documentation Options
- Use Gift Funds to Help with Your Down Payment
