Your write-offs shouldn’t cost you the house.
Business owners get caught by their own good bookkeeping. You take every deduction you are legally entitled to, your taxable income comes out small on paper, and a traditional review reads that as insufficient. That number describes your tax strategy, not your earnings. CrossCountry’s Signature Expanded and Signature Platinum lines exist for exactly this, with several ways to document what you actually earn.
This is for you if…
- You are a business owner, contractor, or commission-only earner
- Your tax returns show significant legitimate write-offs
- A lender has already declined you over your Schedule C
- You have been self-employed long enough to show a track record
Self-Employed Mortgages in Tampa Bay
Bank statement
Qualify using deposits into your business or personal accounts over a defined review period instead of tax returns.
P&L only
A profit and loss statement, often prepared by your CPA, stands in for the full tax return package.
1099
Built for contractors and commission earners whose income arrives on 1099s rather than a W-2.
Asset qualifier
For borrowers whose wealth sits in assets rather than in a monthly income stream.
WVOE only
Qualification based on a written verification of employment, without the usual paper trail.
Full doc, read properly
Sometimes the documents are fine and the last lender simply read them wrong. Worth checking before reaching for anything else.
Program availability and eligibility requirements vary and are subject to change. Nothing on this page is a commitment to lend or an offer of specific terms. Not all applicants qualify.
Self-Employed: common questions
Can I get a mortgage if I am self-employed?
Yes. Self-employment is not a disqualifier. What changes is how a lender documents your income. Programs exist that review bank deposits, 1099s, a profit and loss statement, or assets in place of tax returns.
Do bank statement loans require tax returns?
No. That is the point of the program. Qualifying income is calculated from deposits into your accounts over a defined review period rather than from your filed returns.
I was already declined. Is it worth trying again?
Often, yes. A decline means one lender applied one standard to one document set. A different program that reads income differently can produce a different outcome. It costs nothing to have the file reviewed.
How long do I need to be self-employed?
Requirements vary by program. Some ask for a shorter history than borrowers expect. The only way to know where you land is to review your specific situation.
Other programs
Let’s find out where you actually stand.
One conversation, no cost, no pressure. I’ll tell you what’s possible and what isn’t, including when the honest answer is “not yet.”