Home Loans for Self Employed Borrowers

We offer Home financing solutions for self employed borrowers, business owners, and 1099 contractors. Options include bank statement and asset qualifier loans that do not require tax returns or W2s.

Answer a Few Quick Questions and Let’s See if You’re Eligible

No Credit Check Required!

Get Rates and Terms as of 04/25/2025

Are you self-employed or 1099?

How many years have you been self employed?

What Percent of the Business Do You Own?

Does your revenue from the business get deposited into a business checking or personal checking?

Are you purchasing, refinancing, or cashing out?*

Do you want cash out or are you just looking to refinance to a lower rate?

What type of property are you planning on purchasing?

Do you plan to live in the home, use as a vacation home or use as an investment property?

Do you plan to hold or Flip this investment property?

Are you a first-time investor?

How many properties have you flipped (or exited) in the last 24 months?

Do you currently own other rental properties?

Do you plan to hold your investment property in an entity

How much cash are you trying to get?

Approximately how much do you currently owe on your mortgage?

(If you have a second mortgage or HELOC please combine the total amount you owe)

$

How do you use this property?

Where are you at in the purchase process?

What state will this property be located in?

*

What is the purchase price range of the properties you are looking to buy?

(Approximation is fine)

How much do you have for a down payment?

What is the purchase price of the new property?

(Approximation is fine)

How much are you putting down for the down payment?

What is the address of the property?

*This will allow us to determine the estimated value of the property

What is your approximate credit score?

Have you declared bankruptcy in the past 2 years?

Are you or your spouse a veteran?

How many employees do you have?

(Don't Count Yourself)

Estimate Gross Monthly Revenue that Gets Deposited Monthly

Does the business operate out of your home?

What is the name of the business?

Do you have a website?

What is the Website Address?

Do you manufacture a product, such that you have a cost of goods sold for the product you ultimately sell?

Do you buy and then resell a product?

Total Number of Physical Locations?

Do you have any employees or 1099 contractors you pay?

Briefly Describe the Business you Own:

Full Name

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Email Address

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Enter Your Phone Number and You're All Done!

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Cell Phone

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Mortgages for Self Employed Borrowers

With tax write-offs and fluctuations in income, we understand that if may be difficult for self employed borrowers to qualify for home financing. That’s why we offer a variety of asset verification options such as bank statement loans to help people qualify.

With most of these types of loans, no tax returns, W2s, or K-1s are required! Ready to learn more?

America’s Short-Term Rental Property Financing

STEP 1

Apply Online or Call Directly

Find out how much home you can buy or discover how much you can save by refinancing.

STEP 2

Review What Options You Can Qualify For

Learn exactly how much you qualify for and what you would save by working with Ideal Lending LLC.

STEP 3

Get Loan Approval in 24 Hours

Get mortgage loan approval to move forward with your property.

About Us

We know how important and invasive the mortgage process can be. We appreciate that you’re considering entrusting us with one of the most important financial decisions of your life.

License

NMLS: 244666

Corp. NMLS: 2471779

NMLS Consumer Access Lookup Tool

Contact

Ideal Lending LLC
561-782-7211

[email protected]

5589 Okeechobee Blvd Suite 101 | West Palm Beach, FL 33417

© 2025 Ideal Lending LLC

Ideal Lending LLC, NMLS 2471779 is not affiliated with or acting on behalf of or at the direction of the Federal Housing Administration (FHA) or any government agency or government-sponsored entity and this offer is not being made by an agency of the government. Ideal Lending LLC is a Licensed Mortgage Lender Servicer, FL MLD2414; Ideal Lending LLC only lends in CO, CT, FL, GA, MA, TN, TX. Refer to www.nmlsconsumeraccess.org and input NMLS 2471779 to see where Ideal Lending LLC is licensed. Equal Opportunity Employer; Equal Opportunity Lender | This is not an offer for extension of credit or commitment to lend. All loans must satisfy underwriting guidelines. Not all applicants qualify. Information and pricing are subject to change at any time and without notice. Certain restrictions may apply.