Home Financing for Self Employed

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The Lowdown on Home Loans for Self Employed Individuals

Creative Mortgage Financing Solutions for Self Employed Borrowers

As a self employed borrower you will run into potentially more issues than if you were a pay stub or W2 employee. We will need to evaluate a Schedule C or K1’s two years tax returns, all 1099’s and pull your credit. Typically these borrowers will take an average of their two years tax returns. If you have been in business for 5 years or more we can offer a one year option for strong credit buyers. We need to evaluate unreimbursed expenses an can add back items as well but we need full tax returns in order to calculate income properly.

The options for these buyers will typically utilize a Conventional home loan.

Loan Solutions for Self Employed Borrowers

Here’s how our home loan process works:

  • Complete our basic mortgage application
  • Receive loan options based credit score
  • Compare interest rates and mortgage terms
  • Choose the estimate that meets your needs

Getting a Loan When You're Self Employed

These borrowers may be eligible for one year self employed depending on how long they have been in business and what their credit score is. If you have had an LLC for 5 years or more and stronger credit such as 700 credit score then it is highly likely you will qualify for a mortgage based on one years tax returns instead of two years!

  • Fixed Rate Mortgages
  • One Year Self Employed Options
  • Two Year Average Income Options
  • Jumbo & Super Jumbo Loans
  • Terms from 10 to 30 Years
  • Schedule C or K1’s Review for Taxes
  • Individual License or Company Docs

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What Our Clients Are Saying

Han Fan
Han Fan

01:46 21 Mar 19

Me and my wife apply for mortgage back in August 2018.. the process is really smooth. very knowledgeable and willing to explain. Fast response time. I would give more than 5 star if I could.

Keith U
Keith U

16:03 14 Mar 19

Hands down the best mortgage broker in Jacksonville. Using Carbon Capital we were able to prequalify and place a bid on our first home in a matter of hours. Andrew went out of his way to explain everything and make sure we understood the mortgage process in simple terms. Casey and Kelly were able to answer all of our questions. They even answered our emails during the weekend and outside office hours. That is great customer service!

Rebecca Richey
Rebecca Richey

15:14 09 Jan 19

We have had an amazing experience working with Andrew, Casey and Kelly with Carbon Capital. They have been on top of everything to ensure we have had a very smooth closing. We are so pleased with their response time and professionalism throughout this entire process. Great job!! Thanks!!

Nicole Coburn
Nicole Coburn

11:07 16 Nov 18

Andrew/Kelly/Ross all gave exceptional performances during our home buying process. I highly recommend Carbon Capital if you are in the market. They made buying our home a breeze. The processes that they have in place are seamless and easy to use and give full details of everything that you may have a question about. Always promptly returned phone calls and took real patience and care which is outstanding with my anxiety through the whole thing. Thanks for everything you do. Client for life.

Susan Brennan
Susan Brennan

07:37 11 Oct 18

If you're in the market to purchase a home, I highly recommend Carbon Capital. We received professional and timely answers to our many questions and scenarios. Kelly is just the epitome of patience and very knowledgeable with regard to all types of mortgages. Being somewhat of a "commitment-phobe," the idea of a 30-year mortgage really drove my anxiety during the home buying process. It was reassuring to know that any questions or concerns would be quickly addressed by Kelly or Andrew with either a phone call, e-mail, or text. The personal service we received was second to none. In the end, I believe we got the best available rate and terms and found the entire process quite seamless thanks to Carbon Capital.

Stephen Sapp
Stephen Sapp

12:36 04 Oct 18

I've bought, sold, and refinanced houses over the years a number of times. I've never had the mortgage process go smoother than it had with Carbon Capital. Andrew and Kelly are fantastic! They explain everything in plain english. They're extremely responsive to questions via email or telephone. When I buy, sell, or refinance in the future, I won't have to do any shopping around; I will just make a call to Carbon Capital. Thanks Andrew and Kelly!!!