Loan products
Loan Products for Self-Employed Borrowers
Bank-statement loans, P&L-only mortgages, 1099-only programs, asset depletion, and ATR-in-full — the full menu of Non-QM income documentation, explained without the jargon.
There is no single “self-employed loan.” There’s a menu of ways to document income when tax returns understate what your business actually produces. Each product below qualifies you differently — by deposits, by a CPA’s profit-and-loss statement, by 1099s, or by your assets. Find the one that matches how you get paid.
1099-Only Mortgage
A 1099-only mortgage qualifies self-employed contractors and commissioned earners on their 1099 totals — no bank statements, no …
12-Month Bank Statement Loan
A 12-month bank statement loan qualifies self-employed borrowers on one year of deposits instead of tax returns. How the income …
24-Month Bank Statement Loan
A 24-month bank statement loan qualifies self-employed borrowers on two years of deposits instead of tax returns. How the longer …
Asset Depletion Mortgage
An asset depletion mortgage converts eligible liquid assets into a monthly qualifying income stream — no employment income …
ATR-in-Full Mortgage
An ATR-in-Full mortgage satisfies the Ability-to-Repay rule through verified liquid assets large enough to cover the entire loan …
P&L-Only Mortgage
A P&L-only mortgage qualifies self-employed borrowers on a CPA-prepared profit and loss statement instead of tax returns or bank …
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.