Mortgages for Self Employed

No W2? No Tax Return? No Problem!

We have loans designed specifically for self-employed, small business owner, independent contractor individuals. We specialize in Bank Statement Loans! Fill out the short form today, A Loan Advisor will get back to you quickly! Or Call us to get started (888) 539-0637

If you are among the 15 million Americans who are self-employed, you’ll be glad to know that we understand how your financial profile can be different from borrowers who earn a regular salary.

No items found.

Here Are Some of the Great

Features of Sprout’s Bank

Statement Loan‍

Credit scores starting at 660
50% DTI
Max loan amount $8,500,000**
Min loan amount $100,000 (owner-occupied and second homes)
3 to 12 months PITIA (principal, interest, taxes, insurance and association dues) & reserves (based on loan amount)

**$8,500,000 CA properties only, $4,000,000 for all other states

test
test

Also Available

Whether you’re a small business owner, yoga instructor, seasonal employee, freelancer/contract employee, or investor, Sprout can help you get a mortgage!

Asset Depletion Loans

Investor Debt Service Coverage

Ideal for individuals with substantial liquid capital (more assets than income), the Asset Depletion program permits borrowers to qualify based on their assets up to 50% DTI.
Designed for those whose income is derived from property rentals. Use the cash flow from your rental property to qualify.

Here’s How We Can Assist You in Buying a Home

Other loan features include:

Use bank statements to determine your qualifying income
Loan amounts up to $8.5 million
Credit score as low as 580

No W-2, no problem! Call Sprout today to talk to one of our expert loan officers for more details on how to qualify for your self-employed mortgage loan, or complete the form.

Learn MoreLet's Get Started

This communication does not constitute a commitment to lend or the guarantee of a specified interest rate. All loan programs and availability of cash proceeds are subject to credit, underwriting and property approval. Programs, rates, terms and conditions are subject to change without notice. Other restrictions apply.