Mortgages for Self Employed Borrowers

Empowering Entrepreneurs with Self-Employed Mortgages

Tailor-made mortgage solutions for self-employed individuals, reflecting your unique financial landscape.

640

Minimum Credit Score

50%

Maximum Debt To Income

90%

Maximum Loan To Value

$15M

Maximum Loan Amount

With 1 Application,130 Mortgage Lenders Will Compete For Your Business

Unlock unparalleled opportunities with a single application. Dive into a competitive marketplace where 130 top-tier mortgage lenders vie to offer you the best terms, ensuring you get the deal you deserve. It’s not just about choice; it’s about empowering you with the best options available.

🔒Does not Affect Credit. No SSN until you’re ready.

Navigating the mortgage landscape as a self-employed individual can often be an uphill climb. The heart of the issue lies in the discrepancy between reported taxable income and actual cash flow due to the strategic use of tax write-offs. At Innovative Mortgage, we’ve crafted a suite of mortgage solutions specifically designed to address the unique financial scenarios self-employed borrowers face.

Innovative Mortgage’s Self-Employed Mortgage Solutions:

Alternative Documentation Options:

Bank Statement Mortgages: By examining your personal or business bank statements, we can assess your true cash flow, offering a clearer picture of your financial capacity beyond what tax returns might show.
1099 Only Loans: For those who work as independent contractors or freelancers, this loan type uses your 1099 forms to verify income, bypassing the traditional tax return evaluation.
P&L Only Loans: A streamlined option that requires just one or two years of profit and loss statements, without the need for extensive documentation.

Focus on Flexibility and Choice:

Our philosophy at Innovative Mortgage is to present you with a full spectrum of lending options, conventional and alternative alike. While our initial aim is to secure a conventional or full documentation loan that offers favorable terms, we are fully equipped with alternative programs that serve as a bridge to homeownership for those who may not fit the standard criteria.

Beyond One-Size-Fits-All Lending:

Conventional wisdom in the mortgage industry often leans towards specialization in a single loan type. Yet, we believe this approach does a disservice to our clients. By offering a variety of loan programs, we ensure that you are not pigeonholed into a product that may not be in your best interest. Instead, you receive comprehensive guidance and an array of options, empowering you to make the most informed and intelligent decision for your personal and financial situation.

Partnering with You on Your Homeownership Journey:

At Innovative Mortgage, our commitment to serving the self-employed community is unwavering. We understand the importance of evaluating the full scope of your financial health and providing loan products that reflect this.

If you’re self-employed and seeking a mortgage that recognizes your unique financial profile, reach out to Innovative Mortgage. Let us assist you in exploring all the possibilities and securing a mortgage that aligns with your true earning power. Contact us to discuss you

Unleash Your Potential with Self-Employed Mortgages

Tailor Made For You

Our mortgage solutions are specifically designed to suit the unique needs of self-employed individuals.

Flexible Income Verification

We acknowledge the complexity of self-employed income and offer flexible income verification methods.

High LTV and Low Down Payment

Get the flexibility you need with high Loan-to-Value ratios and low down payment requirements.

Navigating the World of Self-Employed Mortgages

Requires Detailed Documentation

Although we offer flexibility, documentation of your income and business is required.

Potentially Higher Interest Rates

Depending on your financial profile, interest rates may be slightly higher compared to conventional loans.

Key Issues That Will Get Early Attention

Understand Your Options

With us, get clear, concise information on the best mortgage options for your unique scenario.

Income Verification

We simplify the income verification process, guiding you every step of the way.

Rate Clarification

We're committed to finding you the best rates and terms tailored to your financial situation.

Swift Approval Process

We streamline every step to ensure a swift, smooth approval process.

We're Simply Better and Not Just on Price...

We Have More Lenders and More Loan Programs

Diverse Choices, Tailored for You: With a vast array of lenders and loan programs, we ensure a perfect fit for your unique financial needs.

Our Loyalty is To YOU not the lender

Your Interests, Our Priority: Our commitment is to you, not the lenders, ensuring unbiased and dedicated support throughout your mortgage journey.

Non QM, Convert to Cash and Flexible Funding Options Available

Flexible, Innovative Financing: Explore Non-QM loans, easy cash conversion options, and flexible funding solutions tailored for your financial freedom.

🔒No Credit Pull, No Obligation.

Compare For Yourself

Explore the difference that sets us apart in the financial world. See how our innovative services and unmatched benefits distinguish us from the competition, ensuring you make an informed choice.

Lightning Loans

Local Bank Branch

Big Name Online Lenders

Shops Hundreds of Lenders

Scans Thousands of Programs To Find You The Best Available

Is Loyal to Borrowers and Not Lenders

Has Multiple No Tax Return Mortgage Options

Can Show You Conventional and Non QM Options

Multiple 100% Financing Options for First Time Home Buyers

Can Do Hard Money, Bridge Financing and Other Unique Funding Types

🔒No Credit Pull, No Obligation.

You need a tenacious loan officer who has obsessively over-prepared and knows every single trick in the book to secure the ideal mortgage for your unique situation

And that is exactly what you'll find when working with me…

Read What Our Happy Clients Have to Say

Don't Wait, Secure Your Perfect Mortgage Today

"Andres is dependable, reliable and productive to the highest degree. His services will be required by our company in the future, and unequivocally we will be contracting him."

"A true example of a multitasking 24/7 powerhouse with no deal is too small attitude coupled with creative thinking and always open mind!!!"

"Lightning Loans made the mortgage process so easy and stress-free. Their team is knowledgeable and dedicated to providing tailored solutions for each client. I highly recommend them." -

1. Unparalleled Access to Mortgage Options With a Single Application

With a single application, we’ll comparison shop thousands of loan programs across hundreds of lenders.

This includes conventional loans at 130 different sources, FHA loans at 130 different sources, and even bank statement or no tax return options. If a mortgage product exists, we have access to it.

No more wondering if you’re getting the best deal – we’ll make sure of it.

2. Expert Guidance and Outstanding Communication

With over two decades of experience working with clients, I’ve developed a keen sense of what my clients need and when they need it.

It’s almost like having a psychic connection!

I pride myself on putting my clients first and providing outstanding communication throughout the entire mortgage process.

3. A Faster, Easier Path to Perfect Mortgage Loans For Your Specific Situation

Say goodbye to the headaches and hassles of traditional mortgage processes.

With Lightning Loans, you’ll enjoy a streamlined, efficient journey that gets you to your goals faster and with less stress.

You’ve got enough to worry about, let us put your mind at ease with regard to your mortgage financing.

We only request the things that are absolutely necessary

4. The Peace of Mind Knowing You've Made the Right Choice Because You've Seen ALL Your Options

When you work with Lightning Loans, you’re not just getting a mortgage –

You’re getting a partner who is committed to your success.

We’ll go above and beyond to ensure that you’ve made the best possible choice for your unique situation.

These might just seem like words on a page but one conversation with us and it will be abudantly clear to we walk our talk.

Experts at your service.

Meet the experts committed to providing you with exceptional financial solutions

Andres Garcia

Loan Officer

Dedicated, high energy real estate expert that is adept at working with investors and traditional borrowers.

Your Contact

Andrew Kashella

Senior Vice President

Mortgage Industry veteran responsible for thousands of loan originations and billions in closings.

Bryan P. Ehrlich

CEO/General Counsel

Founder, Juris Doctor and Lead Counsel for Innovative Mortgage Services.