Built For The Way You Actually Earn.
Loans from $150,000 to $3.5 Million through bank statement, profit and loss, 1099, asset-based, and full documentation routes, for a primary residence, second home, or investment property.
Several ways to document income. One place to start.
However you earn, there’s likely a path that fits.
- $150,000 to $3.5 Million, several ways to qualify
- Bank statement, profit and loss, or 1099
- Owners, freelancers, and contractors
- Purchase or refinance primary, second, and investment homes
- Purchase, rate-and-term refinance, and cash-out available
- Fixed and adjustable rate options
- Financing to 90% of value, with the highest tiers reserved for the strongest credit*
Bank statement, profit and loss, or 1099 qualifying
Asset-based qualifying for eligible borrowers
Standard income documentation also available
Full doc, bank statement, or asset qualifying routes
One to four units, condominiums, and townhomes eligible
Fixed-rate and adjustable-rate (ARM) options
What is the Saxton Self-Employed Home Loan?
One place to compare every self-employed documentation route
The Saxton Self-Employed Home Loan brings together the documentation routes built for business owners, so income that does not fit a pay stub still has a way to be verified.
Qualify through bank statements, a prepared profit and loss statement, a 1099 earnings history, documented assets, or standard full documentation.
Use it to purchase a home, refinance your current mortgage, or take cash out of your equity, on a primary residence, second home, or investment property, with loan amounts from $150,000 to $3.5 Million.
Why choose the Saxton Self-Employed Home Loan?
Built for owners, freelancers, and contractors whose income is real but does not fit a pay stub.
Sole Proprietors
Qualify from deposits, a prepared profit and loss statement, or full documentation.
Partners & Shareholders
K-1 income and business returns are reviewed alongside the rest of your picture.
1099 Contractors
A documented 1099 earnings history can stand in for pay stubs and W-2s.
Gig & Platform Workers
Variable platform income can be documented through deposit history.
Asset-Rich Borrowers
Qualify from documented assets when employment income does not tell the story.
Write-Offs Welcome
Deductions that lower your taxable income do not have to lower your loan.
Hear From Homeowners Like You
Frequently Asked Questions
The questions we get asked most about the Self-Employed Home Loan.
It depends on how your income shows up. A licensed loan officer will compare the bank statement, profit and loss, 1099, asset-based, and full documentation routes with you. Loan amounts run from $150,000 to $3.5 Million across these routes, generally starting around a 660 credit score.
Not on every route. Several options qualify you from deposits, a prepared profit and loss statement, or documented assets instead.
Generally at least two years of self-employment history on the alternative documentation routes. A licensed loan officer will confirm what applies.
Yes. Primary residences, second homes, and investment properties are eligible, though terms differ by occupancy.
Yes. A non-occupant co-borrower is permitted on eligible transactions with additional requirements.
Yes. Fixed-rate and adjustable-rate (ARM) options are available on eligible programs.
Yes, on every route except the asset-based one, which is limited to purchase and rate-and-term transactions. The amount depends on your equity, credit profile, and property type.
Find out what you qualify for
Whether you’re buying, refinancing, or pulling cash out, there’s likely a Saxton Self-Employed Home Loan option that fits. Get a fast, no-obligation pre-qualification today.
Get Pre-Qualified*Loan amounts, rates, terms, and down payment requirements are subject to credit approval, income and asset verification, and program eligibility. Down payment and cash-out limits vary by occupancy, credit score, and documentation type. Not all applicants will qualify. Saxton Mortgage, LLC is an Equal Housing Lender.