Self-employed individuals often face unique challenges when it comes to obtaining a mortgage loan. Traditional mortgage loans typically require borrowers to provide proof of income, such as pay stubs or tax returns, which can be difficult for self-employed individuals to produce. However, there are now non-QM loan options specifically designed for self-employed borrowers. We'll take a closer look at self-employed non-QM loans and how they can benefit borrowers.

One of the key advantages of self-employed non-QM loans is that they allow borrowers to use alternative forms of income, such as earnings from self-employment, as proof of income. This can make it possible for self-employed individuals who may not have access to traditional income documentation to qualify for a mortgage loan.

Up to

90%

LTV - Purchase

90%

LTV - Rate & Term

80%

LTV - CASH OUT

$150K - $5M

Price Range

Apply Now!

# Apply For Self Employed Loan

Self Employed

Another advantage of self-employed non-QM loans is that they can offer more flexible terms and conditions than traditional mortgage loans. For example, some non-QM loans may allow borrowers to have a higher debt-to-income ratio or a lower credit score than would be required for a conventional mortgage. This can make it possible for self-employed borrowers who may not qualify for a traditional mortgage to obtain financing.

When applying for a self-employed non-QM loan, borrowers will need to provide proof of their self-employment income, such as earnings statements or tax returns. The lender will then review this documentation to determine the borrower's income and financial stability.

It's important to note that self-employed non-QM loans may carry a higher interest rate than traditional mortgage loans, as they are considered to be higher risk. As a result, self-employed borrowers should carefully compare offers from different lenders and consider the total cost of the loan before deciding which option is best for them.

Apply Now

650-200-2304

# Apply For Self Employed Loan

Testimonials

"Kristin Howard is genuinely helpful, knowledgeable, and accommodating. She went out of her way to assist us not once but three times now. Home purchase, home equity loan to update and upgrade our home, and refinance. VA loans she’s hands down the best!"

"I had the absolute pleasure of working with Kristin Howard on three separate deals, and I can confidently say that she is an incredible professional. Each time, Kristin made the entire process seamless, stress-free, and efficient. Her attention to detail, clear communication…

"I’ve had the pleasure of working with Kristin Howard for the last two years. She has been a substantial asset to My business, No matter the loan size. She is dedicated to her work and Facilitating the process. If One is trying to obtain commercial financing, Residential, Or…

"Outstanding Service and Expertise! I had the pleasure of working with Silvia during my home purchase, and I cannot recommend her highly enough. From the very beginning, Silvia demonstrated exceptional professionalism, expertise, and genuine care for my needs. She took the ti…

"I worked with Silvia she was very knowledgeable and creative! Outstanding experience and highly recommended."

"Groves Capital is truly the best in the country. Their team is exceptional, providing outstanding service with unmatched professionalism. Highly recommended!"

"Kristin Howard & Travis Welfle were amazing. They were very responsive and diligent. Kristin walked me through the whole process and made the experience less stressful than I had anticipated. Thank you!"

"I have financed multiple properties with these guys, and it's been amazing every time. The process was seamless. And I got the best possible rate. They are incredibly professional and efficient. Highly recommended."

"John Murdock was such a pleasure to work with he went above and beyond to be sure everything was transparent. He made sure we had the knowledge on what to expect through the loan process. he is definitely an asset to your company. Will definitely use him again when needing f…

"We felt very supported in our loan and made the process very easy. Thank you to Chris and his team for the excellent communication and support."

# Apply For FHA

Why Should You Choose Us?

We're here to make the home loan process a whole lot easier, with tools and expertise that will help guide you along the way, starting with our simple Hard Money Rate Quote.

Customer Focused
Minimal Documentation

In-Houses Controls
Best Loan Services

Apply Now

650-200-2304

# Apply Now!

Our Core Investing Service

Whether you’re looking to purchase a new home or refinance your existing home,Groves Capital can provide all the help you need.