Mortgage Program for Self-employed Borrowers

This program is available to use for both home purchases and refinance & features multiple ways to personalize it for your unique needs.

Mortgage Program for Self-employed Borrowers

A mortgage built for self-employed borrowers.”

Borrower is considered selfemployed where he or she has a 25% or more ownership interest in a business.

“This new program can help borrowers qualify using bank statements in place of traditional income documents”

With the Advantage Bank Statements loan, self-employed borrowers may get a loan even without tax documents. This can alleviate the problem of self-employed individuals who find it difficult to apply for a loan because their tax returns do not reflect their actual income or earning capacity. With this program, bank statements can take the place of traditional income documents when purchasing a new home or refinancing an existing one and can be customized to fit the needs of every self-employed borrower. 

Continue reading below for more details. 

New Mortgage Program for Self-employed Borrowers
Mortgage Program for Self-employed Borrowers

Features and benefits:


  • Loan amounts from $150,000 to $3 million
  • Cash-out up to $750,000
  • 30-year fixed & 30-year fixed (IO), 40-year fixed (IO), 7/6 ARM, 7/6 ARM (IO), 7/6 40-year ARM (IO)
  • A minimum FICO score of 660 allowed
  • Max 90% LTV (purchase only) with a minimum 720 score, no mortgage insurance required
  • DTI up to 50%
  • Mortgage history 0x30 in the last 12 months
  • Primary and second homes only


Programs for qualified borrowers. All borrowers are subject to credit approval, underwriting approval, and product requirements, including loan-to-value, credit score limits, and other lender terms and conditions. Fees and charges may vary by state and are subject to change without notice. Some restrictions may apply. Not a commitment to lend.

Let’s Work Together

Office:  4045 Saint Cloud Dr., #280 Loveland, CO 80538

Northern Colorado:  970-966-8698

Wyoming:  307-214-8369

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