One Year Self-Employed Program
Designed for newer self-employed borrowers who want to move forward without waiting two full years. This program offers a flexible path to home financing using 12 months of bank statements plus prior year income documentation.
Program Overview
A strong solution for newer self-employed borrowers who may not meet traditional two-year self-employment requirements. This program helps qualified clients buy sooner using recent bank statement history and prior year income documentation.
Program Features
Requires only one year of self-employment.
Income qualifies using 12 months of most recent bank statements.
Previous year W-2 or 1099 is also required.
Borrower must be in the same line of work.
Why Choose This Program?
Built for self-employed borrowers who are not ready to wait two years.
Provides a more flexible path than traditional mortgage timing requirements.
Uses recent bank statements to help document income.
Helps qualified borrowers move forward sooner with the right documentation.
Who This Program Is Great For?
Newer self-employed borrowers with at least one full year in business.
Clients with 12 months of recent bank statements.
Borrowers who can provide a prior year W-2 or 1099.
Self-employed clients staying in the same line of work.
Borrowers prepared for a minimum 20% down payment.
Clients looking for a faster path to homeownership.
Access Program
Preview the loan program sheet, download it instantly, or access the co-branded version.
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