Home loans with flexible income options for business owners and freelancers

If you’re self-employed, you already know qualifying for a mortgage isn’t always simple. Even if your business is thriving, your tax returns might not show the full story. That’s why we offer self-employed mortgage loans in Colorado designed specifically for entrepreneurs, contractors, and non-traditional earners who need flexible documentation options.

At Choice Mortgage Group, we help self-employed borrowers across Centennial, Denver, Parker, Castle Rock, Highlands Ranch, and all over Colorado find mortgage solutions that work with their income, not against it.

What makes self-employed borrowers different?

When you’re self-employed, you often take full advantage of tax deductions which is great for taxes, but not so great when qualifying for a mortgage. That’s where alternative documentation programs come in.

We help you qualify using income from:

  • Bank statements (personal or business)
  • Profit & Loss (P&L) statements
  • Asset balances (for high-net-worth clients)
  • 1099 income (for gig workers or contractors)

Want to learn more? See this guide from Investopedia on mortgage options for self-employed borrowers

Flexible mortgage programs for self-employed buyers

We offer a variety of loan programs tailored to your situation, including:

  • Bank Statement Loans – Qualify using 12 or 24 months of bank deposits
  • P&L-Only Loans – Use a CPA-prepared profit & loss statement instead of tax returns
  • 1099-Only Loans – Great for commission earners and contractors
  • Asset Qualifier Loans – Use savings and investments instead of income
  • Traditional loans – For those with strong tax return income

We’ll help you compare your options and run the numbers to see what fits best.

Who is a good fit for self-employed mortgage options?

These loans work well for:

– Small business owners and sole proprietors
– Freelancers and independent contractors
– Realtors, consultants, and gig economy workers
– High-net-worth individuals with low taxable income
– Self-employed borrowers who don’t want to use full tax returns

Why work with us?

  • We specialize in self-employed mortgage lending
  • We offer multiple lender options for flexibility
  • We understand how to read business income and structure approvals
  • We’re based in Colorado and work with buyers across the state

Ready to qualify on your terms?
Call or text us at 303-670-0137, email rbaxter@choicemortgage.com, or request your custom quote. We’ll help you buy or refinance using your real income picture, not just what’s on paper.