Self-employed? You probably qualify.
Get a personalized home buying plan in under 3 minutes. No credit pull. No calls. No documents.
- No credit pull
- No lender calls
- No documents
- Under 3 min
The problem isn't your income. It's how it's read.
- Your accountant does a great job lowering your taxable income — and that same number is what a traditional lender uses to judge you.
- You run a profitable business, but your tax returns make it look like you barely earn anything.
- You've been told "come back with two years of returns" and then quietly declined anyway.
- Nobody explained that there are programs that never look at your net tax figure at all.
There's more than one way to document income.
Bank statement programs, 1099 programs, P&L programs, and asset-based options all exist specifically because business owners don't look like W2 employees on paper. This tool gives you a plain-English read on where you likely stand — before you talk to anyone.
How it works
Answer 8 questions
Rough numbers are fine. Nothing you enter touches your credit.
Get your read
A clear estimate of where your profile likely lands and why.
See your options
Learn which self-employed programs may fit your situation.
What you walk away with
A realistic read
Where your profile likely lands, and the specific reasons why.
Program clarity
Which documentation types tend to fit situations like yours.
Things you can fix
Two or three concrete levers that widen your options.
Zero pressure
No credit pull, no call center, no obligation to do anything.
Straight answers
Will this pull my credit?
No. Nothing here touches your credit in any way. You simply tell us the range you think you're in.
Am I going to get sales calls?
No. Nothing is shared with anyone unless you choose to send your scenario over at the end.
Do I need documents?
None. Rough estimates from memory are completely fine for this.
I've already been told no. Is this different?
Often, yes. Many declines come from tax-return-only underwriting. Alternative documentation reads business owners very differently.
How long does it take?
Under three minutes — eight short questions, one per screen.
Is it free?
Completely. There's no cost and no obligation attached to using it.
“Two banks told me my income was too low. My business had its best year ever. Brian looked at deposits instead of tax returns and it was a completely different conversation.”
“I write off almost everything, so I assumed buying was years away. Turned out there was a program built for exactly my situation.”
“No pressure, no pitch. Just a clear explanation of what was realistic and what I'd need to change.”
“Most self-employed buyers aren't unqualified. They're just being measured with the wrong ruler.”
Brian Alterman · Mortgage Advisor · NMLS #1295878
Find out where you actually stand.
Eight questions. Three minutes. No credit pull.
16500 Bake Pkwy, Irvine, CA 92618 · (800) 896-9374 · Equal Housing Opportunity.
This tool provides estimates for informational purposes only and does not constitute a formal loan approval, commitment, or guarantee of any kind.