One Year Self-Employed Program
A flexible mortgage solution for qualified self-employed borrowers who have at least one year of self-employment history and need a practical path to purchase or refinance financing.
Program Overview
The One Year Self-Employed Program is designed for qualified borrowers who have recently become self-employed or have a shorter self-employment history than traditional loan programs may require. This program can help eligible business owners, freelancers, contractors, and independent professionals explore financing without needing a long two-year self-employment track record.
Program Features
Designed for eligible self-employed borrowers with at least one year of self-employment history.
May support qualified borrowers who do not yet have a full two-year self-employed history.
Can be a helpful option for business owners, contractors, freelancers, and independent professionals.
May be available for eligible purchase and refinance scenarios.
Supports borrowers whose current business income and overall financial profile show strong qualifying potential.
Can be reviewed with a loan officer based on income history, business stability, credit, assets, property type, and borrower goals.
Why Choose This Program?
Helps newer self-employed borrowers access financing when traditional guidelines may require more history.
Can provide a more flexible path for qualified business owners with strong current income and documentation.
Supports borrowers transitioning from W-2 employment into business ownership or independent work.
Gives realtors another solution for self-employed clients who need creative financing guidance.
May help qualified borrowers move forward sooner instead of waiting for a full two-year business history.
Creates a clear path to review income, documentation, business stability, and best-fit loan options.
Who This Program Is Great For?
Borrowers with at least one year of self-employment history.
Business owners, freelancers, contractors, consultants, and independent professionals.
Borrowers who recently transitioned from W-2 employment into self-employment.
Self-employed borrowers with strong income potential but limited business history.
Clients purchasing or refinancing who need a more flexible self-employed lending review.
Realtors working with self-employed buyers who need a practical financing path.
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