Bottom Line Up Front
Umbrella category covering bank statement, P&L, asset-depletion, and stated income programs — each suited to different self-employment situations.
Overview
Umbrella category covering bank statement, P&L, asset-depletion, and stated income programs — each suited to different self-employment situations.
Who Qualifies?
Self-employed 2+ years. Requirements vary by sub-program. Typically 660+ credit, 10-20% down.
Key Benefits
- ✓Multiple qualification paths
- ✓Tax-return alternatives
- ✓Designed for entrepreneurs
✅ Pros
- Overcomes tax challenges
- Program variety
- Growing availability
⚠️ Considerations
- Higher rates than W-2
- Larger down payments
- 2-year requirement
California-Specific Information
Over 3 million Californians are self-employed. Save Financial has deep experience serving this community.
Rates & Pricing
Vary by sub-program — generally 1-2% above conventional.
Why Choose Save Financial for Self-Employed Loans?
Save Financial is a trusted California mortgage broker (NMLS #377740) with 45 years of combined experience and relationships with 20+ wholesale lenders. We specialize in finding the best self-employed loans rates and terms for California borrowers. Our $500 price guarantee means if we can't beat another lender's offer, you get $500. We serve 60+ California cities from our offices in Newport Beach and Marina del Rey, and our team speaks English and Spanish.
Call (888) 703-1840 or get a free quote online — open 7 days a week, 9AM–8PM.
$500 Cash Loan Price Match Guarantee
Get a written offer from any lender. If Save Financial cannot beat it for the same product, we pay you $500 cash.
NMLS #377740 · DRE #01875766 · Call (888) 703-1840
Reviewed By
Mike Baasti, Licensed Mortgage Broker
Founder of Save Financial, Inc. (NMLS #377740) in Newport Beach, CA. 20+ years in residential and investment lending across conventional, FHA, VA, jumbo, hard money, bank statement, and specialty mortgage programs.