Self-Employed? Write-Offs Shouldn't Cost You a House.

Here's the cruel joke of self-employment: the more deductions your accountant legally takes, the smaller your "income" looks on paper — and the smaller your income looks, the less house the bank says you deserve.

You didn't get poorer. Your paperwork did.

Our programs read income differently:

• W2, 1099, self-employed, gig, contract — all in. The question isn't what box your income arrives in; it's whether the money is real, consistent, and yours.
• Self-employed buyers qualify at 660+ credit. Not a boutique number — it's within reach of most owners who've kept things tidy for a couple of years.
• We look at what you actually bring home, not the loss-line on page 2 of a tax return you filed to survive an audit.

The scenario: you drive for a rideshare platform and run a small detailing business on weekends. Combined, you clear $78,000 — but a lender's software sees three 1099s, seasonal dips, and hits "deny" before a human ever reads the file. We see a person with three income streams who hasn't missed rent in six years.

The money spends the same at the grocery store. It should count the same at the closing table.

One honest note: self-employed and 1099 buyers typically qualify at a slightly higher credit score and a slightly more conservative payment ratio. It's real math, not a penalty — and we'll show you the numbers before you commit to anything.

Run your numbers through our eligibility check — two minutes, no tax returns required.