Self Employed Home Loans & Mortgages


The BFG Lending team offers expert knowledge, industry-leading service, and specialized products for self-employed borrowers.

Additionally, we can provide solutions for FHA, VA, Jumbo, and Conventional mortgages.  too! 


Here are our most popular mortgage solutions for self-employed individuals:

🌟 Bank Statement Qualifier - We can determine your eligibility by considering deposits made to your business or personal bank account, particularly those related to your business activities. 

🌟1099 Only Mortgage- We can assess your eligibility by examining the total income reported on your recent 1099 statements. 

🌟 CPA Letter Or Profit & Loss Statement - You can also qualify by providing a CPA letter or a Profit & Loss statement. These financial statements or reports can be used to assess your eligibility.  

🌟 True No Income Options -Certainly, if necessary, we can provide a genuine "no income, no employment" loan. That's correct, you won't need to provide any income or employment information on the application. Please note that this option may come with a higher interest rate vs. our other products.

✅ No Tax Returns Required For Self-Employed

✅ Qualify Off Bank Statement Deposits, 1099 Only or CPA Letter

✅ True No Income No Employment Verified Available

✅ FICO Scores 600+ Options 

✅ Loan Amounts $150,000 to $5,000,000

✅ Purchase, Refinance & Cash Out

✅ SFR, Condo, Multi-Family Allowed

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Self-Employed Home Loans

🌟Are you self-employed, a 1099 contractor or a business owner looking for a low document, no tax return mortgage to simplify your approval process and increase your qualifications?  If so, we specialize in Self-Employed Mortgage Solutions!  Being a go-getter, a trailblazer, and a self-starter with entrepreneurial spirit should never be a barrier to owning your own slice of paradise.

We understand that your financial journey as a self-employed individual is unique, which is why we're thrilled to present our tailored Self-Employed Mortgage options. 

🌟 Why Choose Our Self-Employed Mortgage?

✅ Customized Solutions: We believe in one-size-fits-one, not one-size-fits-all. Our experts work with you to design a mortgage solution that aligns with your income streams, business structure, and financial aspirations.

✅ Simplified Documentation: Tired of mountains of paperwork? We've streamlined our documentation process, making it easier than ever for you to provide the necessary financial information. And our self employed home loans never require a tax return!

✅ Competitive Rates: Your hard work deserves the best. Benefit from competitive interest rates that make your dream home an affordable reality.

✅ Flexible Approval Criteria: We understand the irregular income patterns of self-employment. Our approval criteria take into account your unique financial situation, increasing your chances of approval.

✅ Expert Guidance: Our team of mortgage specialists is well-versed in the intricacies of self-employment. Count on us to guide you through the process, answering your questions and offering valuable insights.

✅ Faster Approvals: We know that time is of the essence. Our efficient processing ensures quicker approvals, so you can be the first to tie down a home or to gain quick access to your equity with a refinance. 

Don't let the complexities of self-employment hold you back from your real estate ambitions.  Unlock the door to your next home loan purchase or refinance with our Self-Employed Mortgages.

🌟 Available for purchase, refinance and cash out refinance transactions.

🌟 Available for primary residence, second home and investment property.

🌟 Did we mention? NO TAX RETURNS REQUIRED!

Our most popular self-employed mortgage solutions:

🌟 Bank Statement Qualifier - We can qualify you by using business related deposits to your business or personal bank account. 

🌟1099 Only Mortgage - We can qualify you by using your recent 1099 statement totals. 

🌟PA Letter Or Profit & Loss Statement. Financial statements or reports can be used to qualify.  

🌟True No Income Option - If needed, we can offer a true "no income, no employment" loan. Yep, that's right NO income and NO employment on the application. (higher rate option) 

How It All Works

Connect with your team!

The first step in any mortgage process should include a detailed conversation with your loan officer that identifies your needs. A thorough understanding of your loan options is then followed by a formal written rate quote. Once you are fully satisfied with your loan terms you will be comfortable and confident with moving forward with an approval. Your licensed BFG team is ready to lead you through these steps. Click "learn more" or "book a consultation" to get started today. 

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Secure Loan Approval!

When you're pre-approved for a loan, sellers and their agents will view you as a serious and credible buyer. This can provide you with negotiating power in terms of price, as they now know you're financially capable of making the purchase should they accept your offer. For most submissions we can provide formal credit & and income approval the same or next day. Give us a call today and lets help you get pre-approved today.

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Close Your Loan!

Once you are under contract to purchase or ready to begin your refinance we will escort you through final underwriting. Your loan officer will oversee and manage the appraisal and title process, then secure your final approval and finish the loan off with delivering loan docs to your closing company. The entire loan process can be simple and straight forward if you are partnered with the right team. Rest assured, we will get you across the finish line with a winning time!

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Call us now @ (480) 405-6333.

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Barrett Financial Group, L.L.C is a NMLS Licensed, independent mortgage company that provides mortgages for borrowers. Barrett Financial Group is not affiliated with any Govenment agency. All terms subject to credit approval and this is not a commitment to lend. Not all applicants will qualify.