Self-Employed???
No tax returns or W2s required. Down payments as low as 10%.
No mortgage applications fees or obligation EVER.
Flexible Self-Employed Mortgages
620
Minimum
FICO Score Required
100+
Years Of Combined Experience
90%
Loan Options Up To 90% LTV
75+
Creative Lending Programs
$6M+
No Max Loan Options Available
$0
Zero Application Fees
Yes, you can qualify for a
home loan
without showing
tax returns.
It's that easy.
For self-employed individuals, qualifying for a home mortgage doesn’t need to be a challenge. In fact, it never should be.
Our Non-QM loan program provides flexible home financing options for self-employed individuals, business owners, 1099 contractors, retirees, entrepreneurs and high-net-worth individuals looking to purchase or refinance a primary, secondary, or investment property.
We take a full 360-degree look at your unique finances, goals, and background. Not just judging you by some standard checklist. We factor in all aspects to craft mortgage options that actually fit your lifestyle. Ditch those preconceived mortgage notions and antiquated processes – Defy the traditional.
Rather speak on the phone? Give us a call: (615) 622-1032
Know Your Lending Options
Bank Statement Loans
No Tax Returns | Unlimited Cash-Out | Up to $6M+ | 1-4 Units | 12-24 Months of Personal or Business Bank Statements | 620 Min FICO | Up to 90% LTV
**Must be a purchase or refinance
**Must be for primary, secondary or investment
Profit & Loss Statements
No Tax Returns | No 1099s or Bank Statements | Unlimited Cash-Out | Loans Up to $6M+ | 1-4 Units | Fixed & Adjustable Rates | 600 Min FICO | Up to 90% LTV
**Must be self-employed for at least 2 years
**Business must be in existence for at least 2 years
Interest-Only Options
No Tax Returns | No Requirement for a Principal Paydown | Up to $10M+ | Interest-Only Fixed Rates of 5/7/10 yrs | 30-Year or 40-Year Loan Amortization | Up to 85% LTV
**Must be a purchase or refinance
**Must be for primary, secondary or investment
Need a home loan?
we have the solution.
We have self-employed mortgages for you.
Simple home loans
Self-employed and need a home loan? We offer Non-QM loan options designed to meet your unique needs.
Apply within minutes
Fast pre-approval times so you can check out your personalized self-employed loan options in 10 minutes.
Get certainty faster
We close fast and make the mortgage process for self-employed individuals easy. It's what we love to do.
As seen in
Testimonials
Thank you to the entire Defy team who made my experience...
“The entire Defy team made my experience seamless!! As a busy professional and single mom, I’m not sure how I would have gotten through the process without them. They achieved all of my goals and I am so so grateful. They definitely deserve the five stars!!”
Janelle S.
Wow, I didn't know this was possible for self-employed people like me...
"Defy did something that I would have thought impossible before we started considering my unique circumstances. If I were a religious person, I would say that a higher power put Defy Mortgage in my life just when I needed them. But since I am not, I will just say thanks from the bottom of my heart!"
David M.
Being self-employed shouldn’t and doesn’t make
you less qualified for a mortgage.
(615) 622-1032
Defy Mortgage, LLC is a direct lender and licensed under NMLS #2383214, 1030 16TH AVE S FL 2, Nashville, TN 37212. Available in select states. Equal Housing Lender.
Licensed under the Oregon Consumer Finance Act. Georgia Residential Mortgage Licensee # 2383214. Defy Mortgage, LLC, Loans made or arranged pursuant to a California Financing Law license – License # 60DBO-173959. Available in select states.
© 2024 Defy Mortgage | NMLS# 2383214 | Please visit www.defymortgage.com/privacy/ for more identifier information.
Mortgage Loan Disclosure:
Obtaining a mortgage loan involves various fees that can differ depending on factors like loan amount, credit score, and property location. These fees may include but are not limited to, origination charges, appraisal costs, title insurance, and recording fees. All residential mortgage loans are subject to the credit standards and the independent approval of Defy Mortgage, LLC. Contact us for fees and terms. Down payment amounts subject to vary depending on applicant credentials including but not limited to FICO score, DTI and more. Certain restrictions may apply.
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NMLS: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/COMPANY/2383214
State Licensing: https://defymortgage.com/state-licensing-status/