Can I Buy a House If I’m Self-Employed?

Yes, you can buy a home when you’re self-employed—you just need to be prepared.

Here’s what lenders typically look for:

📂 2 Years of Tax Returns
They want to see consistent income.

📉 Profit & Loss Statements
Up-to-date financials help show current income trends.

✅ Strong Credit & Low Debt
This helps offset income uncertainty.

💬 Letters of Explanation
If you had a dip in income, explain why and how you’ve recovered.

Pro tip: Keep business and personal finances separate—it helps with underwriting.

Need a lender who understands entrepreneurs? I know a few great ones.