Self Employed Mortgage Loans in Phoenix AZMortgages Built for Business Owners and 1099 Earners
Self-employed in Phoenix and frustrated with banks that lowball your income? You're not alone. Most banks penalize self-employed borrowers for the write-offs that keep your tax bill down. I work with lenders who actually understand business income — bank statement, P&L-only, DSCR, and Non-QM programs all built for you.
- 10+ Years Experience
- License NMLS# 1455718
- $500M+ in Loan Volume Closed
- Backed by the Nation's #1 Mortgage Brokerage
When You Need Self Employed Mortgage Loans
Self-employed mortgage programs make sense for business owners, 1099 contractors, gig workers, real estate investors, and anyone whose income flows through their own business or LLC. The trouble with conventional loans is that they use your tax returns, which often understate what you actually earn. Self-employed programs use bank statements, profit-and-loss statements, or rental income to give you a fair picture.
Our Self Employed Mortgage Loans Process
Here's how we close your self-employed loan. Call or text me with your situation — what kind of business, how long you've owned it, and how your income flows. I'll match you with the right program — bank statement, P&L-only, DSCR, or full-doc conventional if that works. Pre-approval typically takes a day. Most self-employed loans close in 25 to 35 days.
Self Employed Mortgage Loans Cost in Phoenix
Self-employed loan rates vary by program. Some are nearly as cheap as conventional. Others run a bit higher in exchange for the flexible documentation. I shop dozens of self-employed-friendly lenders to find the best rate for your specific situation. Every fee in writing.
Why Choose Us
Self-employed mortgages are a huge part of what I do. I've helped business owners, doctors, real estate investors, and 1099 contractors close on homes and refinances when banks said no. Ten years in the business and 50-plus five-star reviews from people just like you. Same-day response on every call and text.
Ready to Get Started?
Self-employed and ready to buy or refinance? Call or text Mark at (480) 690-9790 today.
Browse all of our for self-employed and unique-income borrowers.
Reviewed by
Mark Fazio — Licensed Mortgage Loan Officer
NMLS #1455718 · Barrett Financial Group (NMLS #181106) · Phoenix, AZ
Mark Fazio is a licensed Phoenix mortgage broker with 10+ years of experience and over 1,000 home loans closed. He shops dozens of lenders to find the lowest rate on purchase, refinance, and specialty loans, and personally guides every client from the first call through closing.