You Own a Business. You Can Own a Home, Too.
Being self-employed, earning commissions, working as an independent contractor, or receiving tip income does not automatically put homeownership out of reach. We'll help you understand your options, prepare your finances, and find a mortgage strategy designed around the way you actually earn.
No pressure. No confusing mortgage language. Just clear guidance and a personalized plan.
Traditional Paycheck or Not, You Deserve a Clear Path Forward
Many borrowers become discouraged because an online calculator or traditional lender doesn't understand the complete picture. Mortgage qualification can look different when you own a business or earn variable income — and that's exactly what we specialize in.
Business Owners
Your business is your income. We know how to read it.
Self-Employed Borrowers
Variable income doesn't mean unqualifiable income.
1099 and Contract Workers
Your contracts and earnings tell a full story.
Commission and Tip Earners
Documented earnings count. We'll show you how.
What Can Be Used to Qualify?
The documentation and loan strategy depend on your circumstances. Potential qualifying sources may include:
Not every option applies to every borrower. All loans are subject to program guidelines, underwriting review, and credit approval.
More Than One Way to Qualify
There is rarely just one path to homeownership. Depending on your income, credit, assets, and goals, several financing options may be available.
Conventional Loans
Traditional financing for borrowers who meet standard documentation requirements.
Learn More →FHA, VA & USDA
Government-backed programs with flexible guidelines for eligible borrowers.
Learn More →Bank Statement Programs
Qualify using 12 or 24 months of personal or business bank statements instead of tax returns.
Learn More →Profit & Loss Programs
A CPA-prepared P&L may be used to document your income in lieu of traditional returns.
Learn More →Asset Depletion
Significant assets may be converted into qualifying income, even without regular earnings.
Learn More →DSCR Financing
Investment property loans based on rental income potential, not personal income.
Learn More →Jumbo & Alt-Doc Options
High-balance and alternative-documentation solutions for complex financial profiles.
Learn More →Not sure which fits? That's what we're here for.
Talk to an AdvisorYour Path to Homeownership
Tell Us Your Story
Share how you earn, what you hope to purchase, and what concerns you have.
Review Your Options
We'll look at your complete financial picture and identify potential loan strategies.
Build Your Plan
If you're not ready today, we'll explain what to work on and help you prepare.
Purchase With Confidence
When the time is right, our team will guide you from preapproval through closing.
Let's Find Out What's Possible
You don't need to understand mortgage guidelines before contacting us. That's our job. Tell us a little about yourself, and a Modern Mortgage Advisor will help you identify the best next step.
Real Guidance for the Way You Really Earn
At Modern Mortgage Advisors, we believe a mortgage should be built around the borrower — not forced into a one-size-fits-all box. We take the time to understand your income, explain your choices, and create a clear path toward your goals.
Hilary Hollingsworth
Senior Mortgage Advisor, NMLS #2044708
With over a decade of experience helping self-employed borrowers and business owners navigate the mortgage process, your advisor specializes in finding creative, compliant solutions for nontraditional income earners.
"I had been turned down twice before finding Modern Mortgage Advisors. They took the time to understand how my business income actually worked and found a program that fit."
Sarah M.
Small Business Owner
"As a 1099 contractor, I assumed homeownership was years away. My advisor walked me through every option and we closed in 45 days."
James R.
Independent Contractor
"My tax returns didn't tell the whole story. They used my bank statements instead and I finally got the home I'd been working toward."
Maria L.
Restaurant Owner
Modern Mortgage Advisors
NMLS #2876218
All loans subject to credit approval, underwriting review, and program eligibility. Not a commitment to lend.
Equal Housing
Opportunity Lender