Mortgages Made Simple for Self-Employed Borrowers
Freelancer, entrepreneur, or small business owner in California? Getting approved doesn’t have to be impossible. I specialize in helping self-employed borrowers find home loan solutions that fit their unique income and earning patterns.
“Every borrower has a story — and every loan has a purpose. For some, that means buying a home, refinancing, or adding a home equity line. For others, it may also mean exploring financing options to support a business. Whatever your situation, I start by listening to your story and then design a plan to move you forward toward your goals.”
FREE Self-Employed Borrower's Guide
Finally, mortgages that work for the self-employed!
The biggest reasons lenders turn down self-employed borrowers
The 4 most common loan options that don’t require W-2 income
Simple steps you can take right now to prepare for approval
2 California case studies of borrowers who got approved
Who I Help
If you’ve been turned down by a traditional bank, or you don't even want to try, you’re not alone. I work with:
Freelancers and gig workers (designers, photographers, consultants, musicians)
Small business owners and entrepreneurs
Independent contractors and 1099 workers
Real estate investors with rental income
Traditional lenders often don’t understand irregular income, tax write-offs, or non-W2 earnings — but that’s exactly where I step in.
Loan Programs that Fit You
I offer programs designed specifically for self-employed borrowers:
Bank Statement Loans - Qualify using 12–24 months of deposits, not tax returns.
1099 Income Loans - Approval based on your independent contractor status.
Asset Depletion Loans – Use savings or investments to show additional resources.
DSCR Loans – For investment properties; approval is based on the property's rental income.
Traditional Loans – When they fit your situation.
Real Stories, Real Results
“A California photographer thought they’d never qualify after being denied by a bank. Using 24 months of bank statements, we got them approved for a home they love.”
"A Palm Springs homeowner requested an equity line on her home to support her business. Instead, we were able to set her up with a revolving line of credit on her boutique's inventory ."
"Steve's tech company was growing fast but his 2-year average income couldn't support a traditional mortgage. A 12-month bank statement loan was perfect for his needs."
"Carrie left the workforce to return to nursing school. When she graduated, she wanted to refinance her home to pay off her student loans but she had no recent work history. We were able to accommodate her needs with an FHA cash-out loan."
"Evan decided to buy a business. He needed to save his his severance package to support his family, but fortunately he had a lot of equity in his home. We were able to access this equity for the funds he needed to purchase the business using an asset depletion loan."
"Like most self-employed taxpayers, he wrote off too many expenses, to allow him to qualify for the size loan he needed. He was the perfect borrower for a bank-statement loan which we were able to close in just 20 days - at a better interest rate than a W-2 loan".
About
Since 1990, I’ve specialized in helping self-employed Californians — from writers and filmmakers to small business owners — qualify for mortgages that fit their real financial lives.
I believe no one should be denied homeownership just because they don’t have a W-2. My role is to guide you through loan programs designed for entrepreneurs, freelancers, and independent workers.
Ready to explore your options?
Schedule a free exploratory call — no pressure, just clarity about what’s possible for you.
Explore Our Related Site
Business loans & working capital solutions
9100 Wilshire Blvd Ste 725E
Beverly Hills CA 90212
NMLS#263711
Fair Housing Lender
jeangallagher.com ©2025