Self-Employed Mortgage Loans in Colorado Springs

Being your own boss shouldn’t stop you from owning a home in Colorado Springs. But for many self-employed buyers, traditional loan guidelines just don’t fit. That’s why we offer flexible mortgage options built specifically for entrepreneurs, contractors, and gig workers.

Instead of relying on W-2s and tax returns, our self-employed mortgage programs focus on your actual income flow. We offer bank statement loans, 1099-only qualification, and P&L-based programs that work around deductions and variable income. Whether you own a small business, drive for apps, or work project-to-project—we’re here to help. [Start your self-employed loan review today.]

Mortgage Options for Self-Employed Borrowers

• Bank Statement Loans: Qualify with 12–24 months of deposits

• 1099-Only Programs: Use your 1099s instead of full tax returns

• P&L-Based Loans: Approval based on CPA-prepared profit and loss statements

• Asset-Qualifying Loans: Use savings or retirement accounts for income

• Conventional Loans: Possible with enough reserves and stable income history

Who We Help

• Sole proprietors, LLCs, and S-Corps

• Realtors, consultants, and gig economy workers

• Freelancers, creative professionals, and tech contractors

• Business owners with heavy tax write-offs

• Anyone with non-traditional or variable income

Buying in Colorado Springs as a Self-Employed Buyer

Colorado Springs is full of independent workers and growing businesses—especially in areas like Downtown COS, Powers, and Northgate. We understand the local market and how to structure loans that fit your unique income. With the right strategy, you don’t need to wait another year or change how you file taxes. [Let’s see what you qualify for.]

Colorado Springs Communities We Serve

We work with families and individuals across El Paso County. From Southeast Colorado Springs to Stratmoor and Fountain to Northgate and Monument, we help buyers overcome financing barriers and secure stable housing with mortgage options tailored to their needs.  [Let’s see what your options are.]