Self-employed borrower programs are tailored for individuals who earn income outside of traditional employment. These loan options recognize the unique financial situations of business owners, freelancers, and independent contractors. Instead of relying solely on W-2s, these programs consider alternative income documentation. They provide flexibility while still offering competitive mortgage solutions. With the right approach, self-employed borrowers can achieve homeownership with confidence.
These programs are designed to evaluate income using bank statements, profit and loss reports, or other approved documentation. This allows borrowers to qualify without traditional tax return limitations. Loan structures are built to reflect true earning potential rather than strict formulas. Eligibility depends on business stability, credit profile, and financial consistency. Expert guidance helps ensure accurate documentation and smooth approvals.
Self-employed loan programs provide solutions when traditional mortgages fall short. They offer greater flexibility for borrowers with variable income streams. These options can support both home purchases and refinances. With proper planning, self-employed borrowers can access competitive rates and terms. Professional support helps navigate lender requirements with ease.
Alternative income documentation options
Flexible qualification guidelines
Designed for business owners and freelancers
Purchase and refinance availability
Understanding loan options as a self-employed borrower does not have to be complicated. The right program can align with your cash flow and financial goals. Clear communication ensures fewer delays and surprises. Personalized mortgage planning leads to better outcomes. Expert guidance makes the mortgage process efficient and stress-free.
Choosing the right mortgage partner is one of the most important financial decisions you’ll make. At Jeff Entratter – New American Funding, we make the process simple, transparent, and stress-free. Our approach combines personalized guidance, flexible lending solutions, and a commitment to helping clients achieve their homeownership or investment goals. With years of experience and a focus on your unique financial situation, Jeff ensures that every step of the mortgage journey is handled with clarity, confidence, and care.
Customized Loan Solutions – Designed to match your unique financial situation and homeownership goals
Adaptable Financing Options – Flexible solutions that fit your current needs and future plans
Clear and Honest Guidance – Open communication every step of the way, with no hidden surprises
Smooth and Timely Closings – Ensuring a fast, stress-free path from application to funding
Every borrower’s situation is unique. A mortgage professional can assess your financial goals, income, and credit profile to recommend options that best fit your needs.
Your affordability depends on income, expenses, and credit history. Loan officers can help calculate realistic monthly payments and determine your borrowing capacity.
Typical documents include income verification, bank statements, and identification. Exact requirements vary depending on the type of loan and your financial situation.
Processing times vary based on the complexity of the loan and documentation. Most loans can close within a few weeks if all documents are in order.
Yes! Pre-approval gives you a clear idea of how much you can borrow, helping you shop for a home confidently and giving sellers assurance that you’re a serious buyer.
Jeff Entratter, a mortgage broker working with New American Funding, specializes in self-employed borrower programs. He understands the challenges faced by business owners seeking financing. His approach focuses on clarity, flexibility, and tailored solutions. Whether purchasing or refinancing, the right loan program makes a difference. Take the next step toward homeownership with confidence today.
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