Straight answers
Self-Employed Mortgage FAQ
Can you get a mortgage without tax returns? Do you need two years self-employed? Will cash deposits hurt you? Plain answers to the questions self-employed borrowers actually ask.
The self-employed mortgage process is full of myths — that you need two years of returns, that write-offs disqualify you, that cash deposits are fatal. These deep-dives answer the real questions, with the underwriting reasoning behind each answer.
No tax returns required to start
See whether your cash flow qualifies
Tell us how you earn. A Q Mortgage specialist reviews bank-statement, P&L-only, 1099, and asset-depletion options with you — no credit pull to get a read.