EN
ESStart with traditional documentation
Self-employment does not automatically require a specialty loan. Tax returns and business records may support standard financing, depending on your situation.
Explore alternatives when appropriate
Some programs may allow bank statements or other alternative documentation. They are not no-documentation loans, and lender calculations may account for business expenses.
Prepare a complete picture
Business history, income trends, liabilities and cash reserves can affect eligibility. Separating business and personal finances can make documentation easier to understand.
Let’s start with these details.
- Business ownership and operating history
- Available tax returns and bank statements
- Business expenses and liabilities
- Personal assets and purchase goals
Educational overview only. Program requirements, availability and terms vary. No guarantee of qualification or approval. For additional consumer guidance, see the CFPB homebuying resources.