Self-Employed Purchase Programs

We have loans designed specifically for self-employed individuals – so you won’t be asked to submit documents and forms that you don’t have. 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            (800) 761-8389

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.

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Here Are Some of the Great Features of Sprout’s Bank Statement Loan

Credit scores starting as Low as 660
Up to 90% LTV (with 720 Credit Score)
50% Debt-To-Income(for LTV to 85%) & 43% DTI (for LTV to 90%)
Max loan amount $10,000,000
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)

See what our customers have to say

We are self employed and looking to purchase an investment property. I thought it was going to be impossible to purchase an investment property being self employed but Nick Dempsey with Sprout mortgage got it done. We worked with Nick from day one and he was seriously INCREDIBLE!..... Masonry Living LLC

In spite of COVID Glenn got it done quickly. I never write reviews but wanted to let people know that Glenn made the refinance process seem painless. I offer my highest recommendation to Glenn and would use him again in the future. Bob M

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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 $10 million
Interest-Only option available on all loan programs
Credit score as low as 660

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.