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Self-Employed Home Loans
We're mortgage experts for self-employed business owners and independent contractors. Stop letting tax write-offs stand between you and your next home.
Why us?
We understand the qualification needs of business owners.
We know how underwriters review the Schedule C and 1120S.
We simplified the home loan process for business owners so it's fast and easy.
Case Study: Uber Driver
Tax deductions are fantastic for minimizing your annual IRS liability, but traditional W-2 lenders often penalize small business owners and independent contractors when it’s time to buy a home.
That was the exact roadblock an active West Valley Uber driver faced. Because heavy depreciation and vehicle write-offs heavily reduced his net taxable income on his 1040, the large builder’s in-house lender flatly rejected his conventional loan application—leaving him stuck despite a steady, healthy cash flow.
Frustrated by rigid institutional guidelines, he turned to the Point Team. Bypassing traditional tax returns entirely, we structured his file using a 12-month Bank Statement Loan program. By analyzing his actual business bank deposits rather than net adjusted gross income, we successfully established his true earning power.
The result? He secured the financing he needed, closed smoothly, and moved into his new home without sacrificing the legitimate write-offs his business required.
If your tax returns don't reflect your actual financial reality, you don't need a cookie-cutter lender—you need a specialized mortgage strategy.
Case Study: Donut Shop Owner
Running a thriving local business is the cornerstone of any community, but traditional W-2 lending guidelines often fail small business owners. When local shop owners maximize legitimate tax write-offs to reduce their annual liability, their Schedule C net income rarely reflects their true purchasing power.
That was the exact hurdle facing a beloved neighborhood donut shop owner. Despite pulling in a rock-solid $240,000 in actual annual cash flow, their net taxable income on paper made qualifying for a $900,000 dream home through conventional channels impossible. Their dream of upgrading to a spacious family home in the Phoenix West Valley was stalled by outdated banking metrics—until a referral from another local shop owner brought them to the Point Team.
Bypassing rigid tax-return guidelines, we structured their file using a specialized 12-month Business Bank Statement Program. By evaluating actual cash deposits straight through their business account rather than net adjusted gross income, we accurately captured the true financial strength of their operation.
Armed with a clean qualification letter, they stepped into a competitive market with absolute confidence, successfully placed a winning bid, and secured the keys to their dream home—all while maintaining the vital write-offs their business required.
If your tax returns don't mirror your business's true success, you don't need a conventional box. You need a customized mortgage strategy built for business owners.
Phoenix Mortgage Brief
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(602) 935-1993