Self-Employed Refinance Programs

No W2? No Tax Return? No Problem!

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

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Get Started Today Have a question? Call Us Learn More

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.

We understand...

You love your freedom, you appreciate flexibility and you’re ready to purchase a home, but you don’t have all the documentation that typical mortgage financing requires. At Sprout, we use different percentages of revenue based on the type of self-employed business you operate.

If you’re self-employed and looking for a bank statement mortgage, look no further!

Sprout Mortgage is a direct lender specializing in mortgage loans for the self-employed.

Sprout’s most popular self-employed mortgage loan

Lets you qualify based on your bank account balances, so you won’t be asked to submit documents you don’t have. For these loans we use a proportionof your revenue shown on your last 12 months of bank statements as a measure of your income. No W-2 or tax return required!

The Bank Statement Mortgage Loan For Self-employed Individuals

Is designed for those whose true income is documented by their bank statements.

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

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Credit scores as Low as 660

Up to 90% LTV (with 720 Credit Score)

50% Debt-To-Income Ratio (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)

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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

If I could recommend anyone to handle your mortgage needs, I’d look no further than Sam Mandegar and Michelle Smith from Sprouts Mortgage. Not only they were able to deliver what’s been promised, they’ve done a phenomenal job in regards to excellent communication..... Veronica L

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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

Learn More Let'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.