Mortgage Flexibility for Self-Employed Buyers
Qualifying for a mortgage as a self-employed borrower can be challenging under traditional lending guidelines. If your income doesn't come with a W-2 or if your tax returns don’t reflect your actual earnings due to write-offs, standard mortgage programs may fall short. That’s where Non-QM loans come in.
At CPF Mortgage, we offer flexible Non-QM loan options tailored specifically for self-employed professionals, freelancers, and small business owners.
Non-QM stands for "Non-Qualified Mortgage." These loans do not meet the standard requirements set by federal agencies for qualified mortgages. Instead, they use alternative methods to verify income and assess a borrower's ability to repay.
Non-QM loans are commonly used by:
| Loan Type | Key Feature |
| Bank Statement Loan | Uses 12–24 months of bank statements instead of tax returns |
| 1099-Only Loan | Ideal for independent contractors using 1099 income |
| Asset-Based Loan | Qualifies borrowers based on liquid assets rather than income |
| Interest-Only Loan | Reduces monthly payments for an initial term |
| DSCR Loan | Designed for real estate investors using rental income |
Benefits of a Non-QM Loan for the Self-Employed
CPF Mortgage: Helping Self-Employed Buyers Navigate Non-QM Loans
CPF Mortgage works directly with a wide network of Non-QM lenders to offer flexible mortgage options for self-employed borrowers in Florida, Georgia, Tennessee, and Colorado. We help you present your income story clearly and effectively, using documentation that reflects your actual earning potential—whether through bank statements, assets, or alternative income sources.
To get started, visit our Apply Now page or connect with one of our mortgage professionals to explore your options.
