Best Mortgages for Freelancers

🧾 Can Freelancers Get a Mortgage?

Yes — but you’ll need to show stability. Mortgage lenders want proof that your freelance income is consistent and verifiable over the past 1–2 years.

💼 What Lenders Look For:

• At least 2 years of freelance tax returns
• Consistent or growing income
• Strong credit score (typically 640+)
• Low debt-to-income (DTI) ratio

📄 Documentation Tips:

• Prepare 2 years of tax returns (Schedule C or 1099s)
• Profit & loss statements or bank statements
• A letter from your CPA (if applicable)

🏡 Mortgage Options for Freelancers:

• Conventional Loan: If your income is well-documented
• Bank Statement Loan: Qualify using deposits instead of tax forms
• Non-QM Loans: Flexible alternatives for self-employed borrowers

Try it: Affordability Calculator