{"id":5640,"date":"2023-04-03T17:33:24","date_gmt":"2023-04-03T17:33:24","guid":{"rendered":"https:\/\/griffinfunding.com\/?p=5640"},"modified":"2026-03-22T00:21:59","modified_gmt":"2026-03-22T00:21:59","slug":"mortgage-for-self-employed","status":"publish","type":"post","link":"https:\/\/griffinfunding.com\/blog\/bank-statement-loans\/mortgage-for-self-employed\/","title":{"rendered":"A Guide to Getting a Mortgage When You\u2019re Self-Employed"},"content":{"rendered":"<p><span style=\"font-weight: 400;\">If you are self-employed, you may have heard that getting a mortgage is a bit different. A mortgage for self-employed professionals does have a few extra hurdles that you need to overcome, but there are plenty of self-employed mortgage loans available.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">If you are interested in learning more about self-employed loans, you may be wondering what types of options are available. Read this to learn more about loans for self-employed professionals below, and do not hesitate to reach out to a professional who can help you.<\/span><\/p>\n<ul style=\"line-height: 1.5; font-size: 15px; padding: 0px 0px; color: #000; background: #fff;\">\n<li style=\"font-weight: 400;\" aria-level=\"1\"><a href=\"#link1\"><span style=\"font-weight: 400;\">Can You Get a Mortgage If You\u2019re Self-Employed?<\/span><\/a><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><a href=\"#link2\"><span style=\"font-weight: 400;\">Is It Difficult to Get a Mortgage If You\u2019re Self-Employed?<\/span><\/a><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><a href=\"#link3\"><span style=\"font-weight: 400;\">Types of Loans for Self-Employed People<\/span><\/a><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><a href=\"#link4\"><span style=\"font-weight: 400;\">What to Keep in Mind Before Applying for a Self-Employed Mortgage<\/span><\/a><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><a href=\"#link5\"><span style=\"font-weight: 400;\">Apply for a Self-Employed Mortgage Loan Today<\/span><\/a><\/li>\n<\/ul>\n<h2 id=\"link1\"><span style=\"font-weight: 400;\">Can You Get a Mortgage If You\u2019re Self-Employed?<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Yes, even if you are self-employed, there are plenty of options available when it comes to getting a mortgage. It is true that many traditional lenders may put you through some additional steps, but there are plenty of loans for self-employed professionals out there, and you should have a variety of choices. That way, you can still compare the benefits and drawbacks of each option before you make a decision.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">If you are interested in taking out self-employed mortgage loans, you need to reach out to lenders as early as possible. If they are aware that you are self-employed, they can customize your process to meet your specific needs, increasing your chances of getting approved.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Even though it can be tricky to get a mortgage if you are self-employed, it can certainly be done as long as you have the right resources.<\/span><br \/>\n<div class=\"cta_banner gold_cta\" style=\"background:url(https:\/\/griffinfunding.com\/wp-content\/uploads\/2024\/02\/gold-background-1.png)\"><h3>Download the Griffin Gold app today!<\/h3><p>Take charge of your financial wellness and achieve your homeownership goals <br><br>\r\nUse invitation code: <b>GRIFGOLD<\/b> to register.<\/p><div class=\"stores\"><a href=\"https:\/\/apps.apple.com\/us\/app\/griffin-gold\/id6460034387\"><img decoding=\"async\" src=\"https:\/\/griffinfunding.com\/wp-content\/uploads\/2024\/02\/apple-icon.svg\" \/><\/a><a href=\"https:\/\/play.google.com\/store\/apps\/details?id=com.griffinfunding.gold\"><img decoding=\"async\" src=\"https:\/\/griffinfunding.com\/wp-content\/uploads\/2024\/02\/google-store.svg\" \/><\/a><\/div><\/div>\n<h2 id=\"link2\"><span style=\"font-weight: 400;\">Is It Difficult to Get a Mortgage If You\u2019re Self-Employed?<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">It is not necessarily difficult to get a mortgage if you&#8217;re self-employed, but every situation is different. In general, traditional lenders often place many barriers along the path to home loan approval for self-employed individuals.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">If you are a W-2 employee, the lender knows that there is a set amount of money that is going to go into your account every month. In their eyes, this reduces the amount of risk they have to take on, which makes it easier for them to approve that applicant for a mortgage. That is why a mortgage for self-employed individuals can sometimes be seen as difficult.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">In addition, business expenses can be a hurdle if you are interested in self-employed loans. For example, if you are self-employed, you may be able to deduct your business expenses from your taxes. This is great because it can help you save money on your taxes, but it also reduces your taxable income. This is an important metric that lenders look at before deciding whether to approve you for a mortgage, so this is another issue you will have to account for.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">With these important points in mind, there are several options that you can take advantage of if you are interested in taking out a mortgage as a self-employed individual.<\/span><\/p>\n<h2 id=\"link3\"><span style=\"font-weight: 400;\">Types of Loans for Self-Employed People<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">If you want to <\/span><a href=\"https:\/\/griffinfunding.com\/blog\/what-freelancers-need-to-know-about-getting-a-mortgage\/\"><span style=\"font-weight: 400;\">get a mortgage as a freelancer<\/span><\/a><span style=\"font-weight: 400;\">, a contractor, or a small business owner, there are several options that you may want to explore. They include:<\/span><\/p>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter wp-image-5642 size-full\" src=\"https:\/\/griffinfunding.com\/wp-content\/uploads\/2023\/03\/unnamed-6.png\" alt=\"\" width=\"512\" height=\"166\" srcset=\"https:\/\/griffinfunding.com\/wp-content\/uploads\/2023\/03\/unnamed-6.png 512w, https:\/\/griffinfunding.com\/wp-content\/uploads\/2023\/03\/unnamed-6-300x97.png 300w\" sizes=\"auto, (max-width: 512px) 100vw, 512px\" \/><\/p>\n<ul style=\"line-height: 1.5; font-size: 15px; padding: 0px 0px; color: #000; background: #fff;\">\n<li style=\"font-weight: 400;\" aria-level=\"1\"><a href=\"https:\/\/griffinfunding.com\/non-qm-mortgages\/asset-based-loans\/\"><b>Asset-based loans<\/b><\/a><span style=\"font-weight: 400;\">: While most loans will ask you to verify your income to qualify for a mortgage, an asset-based loan allows you to qualify for a mortgage using your assets instead of your income. For example, you might not have a significant income because you are retired or self-employed, but, if you still have plenty of assets, you should be able to qualify for a mortgage. A professional can work with you to figure out which assets you would like to tie to a home loan to help you reduce the interest rate and increase your chances of being approved.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><a href=\"https:\/\/griffinfunding.com\/non-qm-mortgages\/bank-statement-loans\/\"><b>Bank statement loans<\/b><\/a><span style=\"font-weight: 400;\">: A bank statement loan allows you to qualify for a home loan using only your bank statements instead of tax returns. You will be asked to provide bank statements going back a specific number of months to prove that you have the ability to repay the loan. This is a great option for retirees, business owners, and individuals who are self-employed and might be looking for an alternative loan option that avoids traditional income verification methods.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><a href=\"https:\/\/griffinfunding.com\/non-qm-mortgages\/dscr-loans\/\"><b>DSCR loans<\/b><\/a><span style=\"font-weight: 400;\">: A debt service coverage ratio (DSCR) loan is a great option if you would like to qualify for a home loan without using your tax returns. This type of mortgage is generally reserved for real estate investors, as you can qualify for financing based on your DSCR, which indicates how much cash flow a rental property has compared to its debt obligations.\u00a0<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">These are just a few of the many non-traditional or non-conventional loan options that could be available to you. If you have questions about whether a non-traditional mortgage is right for your situation, reach out to a professional today to get the process started.<\/span><\/p>\n<h2 id=\"link4\"><span style=\"font-weight: 400;\">What to Keep in Mind Before Applying for a Self-Employed Mortgage<\/span><\/h2>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter wp-image-5643 size-full\" src=\"https:\/\/griffinfunding.com\/wp-content\/uploads\/2023\/03\/unnamed-7.png\" alt=\"\" width=\"512\" height=\"204\" srcset=\"https:\/\/griffinfunding.com\/wp-content\/uploads\/2023\/03\/unnamed-7.png 512w, https:\/\/griffinfunding.com\/wp-content\/uploads\/2023\/03\/unnamed-7-300x120.png 300w\" sizes=\"auto, (max-width: 512px) 100vw, 512px\" \/><\/p>\n<p><span style=\"font-weight: 400;\">If you are interested in applying for a mortgage as a self-employed individual, you need to put yourself in the best position possible to be approved. Some of the most important tips that you need to keep in mind include:<\/span><\/p>\n<h3><span style=\"font-weight: 400;\">1. Pay Down Your Existing Debt<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">When you apply for a mortgage, every potential lender is going to take a look at your existing debt. If you want to maximize your chances of being approved, you should try to pay down any existing debt that you have.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Some of the most common examples of debt include credit card debt, car loans, and even student loans. If you carry the debt with you into the application process, you may have a difficult time getting approved. Try to pay down as much of your existing debt as possible before you apply for a mortgage.<\/span><\/p>\n<h3><span style=\"font-weight: 400;\">2. Lengthen Your Tax History<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">When you apply for certain self-employed loans, you may be asked for your tax returns. Unlike a W-2 employee, a self-employed individual will generally have to furnish two years of self-employment history. If your income is stable on those tax returns, you can increase your chances of being approved.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">While it might be difficult to wait for a couple of years, it will make it easier for you to get approved if you have a longer tax history you can provide alongside your application.<\/span><\/p>\n<h3><span style=\"font-weight: 400;\">3. Increase Your Credit Score<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Just like a traditional loan, your credit score is going to play a significant role in the application process. You need to make sure that your credit score is as high as possible before you apply for a self-employed loan.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Some of the ways you can increase your credit score include:<\/span><\/p>\n<ul style=\"line-height: 1.5; font-size: 15px; padding: 0px 0px; color: #000; background: #fff;\">\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Correct any mistakes on your credit report before you apply for a mortgage.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Try to reduce your credit utilization ratio and increase the amount of credit available to you.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Make sure you pay all of your bills on time.<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">If you can max out your credit score before you apply, you can dramatically increase your chances of being approved.<\/span><\/p>\n<h3><span style=\"font-weight: 400;\">4. Offer To Make a Larger Down Payment<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Remember that the lender will be assessing how much of a risk you are to them. If you show that you are willing to make a larger down payment, you can increase your chances of being approved because you will immediately reduce the risk you pose to the lender.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">While most people recommend putting 20 percent down for a house, you may have an easier time getting approved if you are willing to put down a larger down payment.<\/span><\/p>\n<h3><span style=\"font-weight: 400;\">5. Prove You Have Cash Reserves<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">While your income is important, your assets are important as well. There are emergency expenses that may arise from time to time, and if you show that you have extra cash reserves, you can increase your chances of being approved. That way, even if your income dries up as a self-employed professional, you will still have plenty of cash reserves you can fall back on to continue to make mortgage payments.<\/span><\/p>\n<h3><span style=\"font-weight: 400;\">6. Have Your Documentation Ready<\/span><\/h3>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter wp-image-5644 size-full\" src=\"https:\/\/griffinfunding.com\/wp-content\/uploads\/2023\/03\/unnamed-6-1.jpg\" alt=\"\" width=\"512\" height=\"357\" srcset=\"https:\/\/griffinfunding.com\/wp-content\/uploads\/2023\/03\/unnamed-6-1.jpg 512w, https:\/\/griffinfunding.com\/wp-content\/uploads\/2023\/03\/unnamed-6-1-300x209.jpg 300w\" sizes=\"auto, (max-width: 512px) 100vw, 512px\" \/><\/p>\n<p><span style=\"font-weight: 400;\">If you show the lender that you are prepared with plenty of extra documentation, you may increase your chances of being approved. Some of the documentation that you may want to bring with you to the application process include:<\/span><\/p>\n<ul style=\"line-height: 1.5; font-size: 15px; padding: 0px 0px; color: #000; background: #fff;\">\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">A list of monthly payments for your business.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">A list of assets that you have, including your savings accounts, checking accounts, and investment accounts.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Proof of on-time bill payments, including previous rent or mortgage payments.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">A list of any additional sources of income, such as Social Security payments or alimony.<\/span><\/li>\n<\/ul>\n<h2 id=\"link5\"><span style=\"font-weight: 400;\">Apply for a Self-Employed Mortgage Loan Today<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">The specialists at Griffin Funding have a significant amount of experience working with borrowers of all backgrounds. If you would like to learn more about how we can help you, reach out and we can discuss financing options. Or, if you\u2019re ready to get started, feel free to <\/span><a href=\"https:\/\/apply.griffinfunding.com\/#\/milestones\"><span style=\"font-weight: 400;\">apply online today<\/span><\/a><span style=\"font-weight: 400;\">.<\/span><\/p>\n","protected":false},"excerpt":{"rendered":"<p>If you are self-employed, you may have heard that getting a mortgage is a bit different. A mortgage for self-employed professionals does have a few extra hurdles that you need to overcome, but there are plenty of self-employed mortgage loans available. If you are interested in learning more about self-employed loans, you may be wondering<a class=\"moretag\" href=\"https:\/\/griffinfunding.com\/blog\/bank-statement-loans\/mortgage-for-self-employed\/\">&#8230;<\/a><\/p>\n","protected":false},"author":2,"featured_media":5756,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"content-type":"","inline_featured_image":false,"footnotes":""},"categories":[74],"tags":[],"class_list":["post-5640","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-bank-statement-loans"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v28.0 (Yoast SEO v28.0) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Self-Employed Mortgages: How to Qualify &amp; Apply | Griffin Funding<\/title>\n<meta name=\"description\" content=\"Getting a mortgage when you\u2019re self-employed can be tricky, but it\u2019s not impossible. Here\u2019s what to know about self-employed mortgage loans.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/griffinfunding.com\/blog\/bank-statement-loans\/mortgage-for-self-employed\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"A Guide to Getting a Mortgage When You\u2019re Self-Employed\" \/>\n<meta property=\"og:description\" content=\"Getting a mortgage when you\u2019re self-employed can be tricky, but it\u2019s not impossible. Here\u2019s what to know about self-employed mortgage loans.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/griffinfunding.com\/blog\/bank-statement-loans\/mortgage-for-self-employed\/\" \/>\n<meta property=\"og:site_name\" content=\"Griffin Funding\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/griffinfunding\" \/>\n<meta property=\"article:author\" content=\"https:\/\/www.facebook.com\/griffinfunding\" \/>\n<meta property=\"article:published_time\" content=\"2023-04-03T17:33:24+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2026-03-22T00:21:59+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/griffinfunding.com\/wp-content\/uploads\/2023\/04\/A-Guide-to-Getting-a-Mortgage-When-Youre-Self-Employed.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"1512\" \/>\n\t<meta property=\"og:image:height\" content=\"332\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Bill Lyons\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:creator\" content=\"@https:\/\/x.com\/griffinfunding\" \/>\n<meta name=\"twitter:site\" content=\"@griffinfunding\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Bill Lyons\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"8 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/griffinfunding.com\\\/blog\\\/bank-statement-loans\\\/mortgage-for-self-employed\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/griffinfunding.com\\\/blog\\\/bank-statement-loans\\\/mortgage-for-self-employed\\\/\"},\"author\":{\"name\":\"Bill Lyons\",\"@id\":\"https:\\\/\\\/griffinfunding.com\\\/#\\\/schema\\\/person\\\/83571cd7f738a7f95cae1a44ad0b7ef1\"},\"headline\":\"A Guide to Getting a Mortgage When You\u2019re Self-Employed\",\"datePublished\":\"2023-04-03T17:33:24+00:00\",\"dateModified\":\"2026-03-22T00:21:59+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/griffinfunding.com\\\/blog\\\/bank-statement-loans\\\/mortgage-for-self-employed\\\/\"},\"wordCount\":1509,\"publisher\":{\"@id\":\"https:\\\/\\\/griffinfunding.com\\\/#organization\"},\"image\":{\"@id\":\"https:\\\/\\\/griffinfunding.com\\\/blog\\\/bank-statement-loans\\\/mortgage-for-self-employed\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/griffinfunding.com\\\/wp-content\\\/uploads\\\/2023\\\/04\\\/A-Guide-to-Getting-a-Mortgage-When-Youre-Self-Employed.jpg\",\"articleSection\":[\"Bank Statement Loans\"],\"inLanguage\":\"en-US\"},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/griffinfunding.com\\\/blog\\\/bank-statement-loans\\\/mortgage-for-self-employed\\\/\",\"url\":\"https:\\\/\\\/griffinfunding.com\\\/blog\\\/bank-statement-loans\\\/mortgage-for-self-employed\\\/\",\"name\":\"Self-Employed Mortgages: How to Qualify & Apply | Griffin Funding\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/griffinfunding.com\\\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\\\/\\\/griffinfunding.com\\\/blog\\\/bank-statement-loans\\\/mortgage-for-self-employed\\\/#primaryimage\"},\"image\":{\"@id\":\"https:\\\/\\\/griffinfunding.com\\\/blog\\\/bank-statement-loans\\\/mortgage-for-self-employed\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/griffinfunding.com\\\/wp-content\\\/uploads\\\/2023\\\/04\\\/A-Guide-to-Getting-a-Mortgage-When-Youre-Self-Employed.jpg\",\"datePublished\":\"2023-04-03T17:33:24+00:00\",\"dateModified\":\"2026-03-22T00:21:59+00:00\",\"description\":\"Getting a mortgage when you\u2019re self-employed can be tricky, but it\u2019s not impossible. Here\u2019s what to know about self-employed mortgage loans.\",\"breadcrumb\":{\"@id\":\"https:\\\/\\\/griffinfunding.com\\\/blog\\\/bank-statement-loans\\\/mortgage-for-self-employed\\\/#breadcrumb\"},\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\\\/\\\/griffinfunding.com\\\/blog\\\/bank-statement-loans\\\/mortgage-for-self-employed\\\/\"]}],\"about\":{\"@id\":\"https:\\\/\\\/griffinfunding.com\\\/#organization\"}},{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\\\/\\\/griffinfunding.com\\\/blog\\\/bank-statement-loans\\\/mortgage-for-self-employed\\\/#primaryimage\",\"url\":\"https:\\\/\\\/griffinfunding.com\\\/wp-content\\\/uploads\\\/2023\\\/04\\\/A-Guide-to-Getting-a-Mortgage-When-Youre-Self-Employed.jpg\",\"contentUrl\":\"https:\\\/\\\/griffinfunding.com\\\/wp-content\\\/uploads\\\/2023\\\/04\\\/A-Guide-to-Getting-a-Mortgage-When-Youre-Self-Employed.jpg\",\"width\":1512,\"height\":332},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\\\/\\\/griffinfunding.com\\\/blog\\\/bank-statement-loans\\\/mortgage-for-self-employed\\\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\\\/\\\/griffinfunding.com\\\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Bank Statement Loans\",\"item\":\"https:\\\/\\\/griffinfunding.com\\\/blog\\\/category\\\/bank-statement-loans\\\/\"},{\"@type\":\"ListItem\",\"position\":3,\"name\":\"A Guide to Getting a Mortgage When You\u2019re Self-Employed\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\\\/\\\/griffinfunding.com\\\/#website\",\"url\":\"https:\\\/\\\/griffinfunding.com\\\/\",\"name\":\"Griffin Funding\",\"description\":\"Mortgages &amp; Home Loan Lenders\",\"publisher\":{\"@id\":\"https:\\\/\\\/griffinfunding.com\\\/#organization\"},\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\\\/\\\/griffinfunding.com\\\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"en-US\"},{\"@type\":\"Organization\",\"@id\":\"https:\\\/\\\/griffinfunding.com\\\/#organization\",\"name\":\"Griffin Funding\",\"url\":\"https:\\\/\\\/griffinfunding.com\\\/\",\"logo\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\\\/\\\/griffinfunding.com\\\/#\\\/schema\\\/logo\\\/image\\\/\",\"url\":\"https:\\\/\\\/griffinfunding.com\\\/wp-content\\\/uploads\\\/2020\\\/09\\\/griffinteamlogo-42.jpg\",\"contentUrl\":\"https:\\\/\\\/griffinfunding.com\\\/wp-content\\\/uploads\\\/2020\\\/09\\\/griffinteamlogo-42.jpg\",\"width\":500,\"height\":500,\"caption\":\"Griffin Funding\"},\"image\":{\"@id\":\"https:\\\/\\\/griffinfunding.com\\\/#\\\/schema\\\/logo\\\/image\\\/\"},\"sameAs\":[\"https:\\\/\\\/www.facebook.com\\\/griffinfunding\",\"https:\\\/\\\/x.com\\\/griffinfunding\",\"https:\\\/\\\/www.linkedin.com\\\/company\\\/griffin-funding\",\"https:\\\/\\\/www.youtube.com\\\/@griffinfunding\",\"https:\\\/\\\/www.instagram.com\\\/griffin_funding\",\"https:\\\/\\\/www.bbb.org\\\/us\\\/ca\\\/san-diego\\\/profile\\\/mortgage-lenders\\\/griffin-funding-1126-172009171\",\"https:\\\/\\\/www.zillow.com\\\/lender-profile\\\/griffinfunding\\\/\",\"https:\\\/\\\/www.experience.com\\\/reviews\\\/company\\\/griffin-funding-1426\"],\"description\":\"Griffin Funding, founded in 2013, is a nationwide direct-to-consumer mortgage lender that specializes in bank statement loans for the self-employed, DSCR loans for real estate investors, VA loans for veterans and active-duty military, and home equity loans for homeowners. Griffin Funding is dedicated to delivering 5-star service, a fully-digital easy-to-use experience, and financial expertise.\",\"email\":\"info@griffinfunding.com\",\"telephone\":\"8005275910\",\"legalName\":\"Griffin Funding, Inc.\",\"foundingDate\":\"2013-09-17\",\"duns\":\"07-979-5037\",\"leiCode\":\"5493002WVA17MT4UFH84\",\"naics\":\"522292\",\"numberOfEmployees\":{\"@type\":\"QuantitativeValue\",\"minValue\":\"51\",\"maxValue\":\"200\"}},{\"@type\":\"Person\",\"@id\":\"https:\\\/\\\/griffinfunding.com\\\/#\\\/schema\\\/person\\\/83571cd7f738a7f95cae1a44ad0b7ef1\",\"name\":\"Bill Lyons\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/c0b679e4960454cca8759c2cccd0b4dcf2acd3f5bb2ef255efd806cf23263763?s=96&d=mm&r=g\",\"url\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/c0b679e4960454cca8759c2cccd0b4dcf2acd3f5bb2ef255efd806cf23263763?s=96&d=mm&r=g\",\"contentUrl\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/c0b679e4960454cca8759c2cccd0b4dcf2acd3f5bb2ef255efd806cf23263763?s=96&d=mm&r=g\",\"caption\":\"Bill Lyons\"},\"description\":\"Bill Lyons is the Founder, CEO &amp; President of Griffin Funding. Founded in 2013, Griffin Funding is a national boutique mortgage lender focusing on delivering 5-star service to its clients. Mr. Lyons has 25 years of experience in the mortgage business. Lyons is seen as an industry leader and expert in real estate finance. Lyons has been featured in Forbes, Inc., Wall Street Journal, HousingWire, and more. As a member of the Mortgage Bankers Association, Lyons is able to keep up with important changes in the industry to deliver the most value to Griffin's clients. Under Lyons' leadership, Griffin Funding has made the Inc. 5000 fastest-growing companies list five times in its 12 years in business. Follow his updates on LinkedIn.\",\"sameAs\":[\"https:\\\/\\\/griffinfunding.com\\\/our-team\\\/bill-lyons\\\/\",\"https:\\\/\\\/www.facebook.com\\\/griffinfunding\",\"https:\\\/\\\/www.linkedin.com\\\/in\\\/lyons\\\/\",\"https:\\\/\\\/x.com\\\/https:\\\/\\\/x.com\\\/griffinfunding\",\"https:\\\/\\\/www.youtube.com\\\/@Griffinfunding\"],\"url\":\"https:\\\/\\\/griffinfunding.com\\\/blog\\\/author\\\/griffinfunding\\\/\"}]}<\/script>\n<!-- \/ Yoast SEO Premium plugin. -->","yoast_head_json":{"title":"Self-Employed Mortgages: How to Qualify & Apply | Griffin Funding","description":"Getting a mortgage when you\u2019re self-employed can be tricky, but it\u2019s not impossible. Here\u2019s what to know about self-employed mortgage loans.","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/griffinfunding.com\/blog\/bank-statement-loans\/mortgage-for-self-employed\/","og_locale":"en_US","og_type":"article","og_title":"A Guide to Getting a Mortgage When You\u2019re Self-Employed","og_description":"Getting a mortgage when you\u2019re self-employed can be tricky, but it\u2019s not impossible. Here\u2019s what to know about self-employed mortgage loans.","og_url":"https:\/\/griffinfunding.com\/blog\/bank-statement-loans\/mortgage-for-self-employed\/","og_site_name":"Griffin Funding","article_publisher":"https:\/\/www.facebook.com\/griffinfunding","article_author":"https:\/\/www.facebook.com\/griffinfunding","article_published_time":"2023-04-03T17:33:24+00:00","article_modified_time":"2026-03-22T00:21:59+00:00","og_image":[{"width":1512,"height":332,"url":"https:\/\/griffinfunding.com\/wp-content\/uploads\/2023\/04\/A-Guide-to-Getting-a-Mortgage-When-Youre-Self-Employed.jpg","type":"image\/jpeg"}],"author":"Bill Lyons","twitter_card":"summary_large_image","twitter_creator":"@https:\/\/x.com\/griffinfunding","twitter_site":"@griffinfunding","twitter_misc":{"Written by":"Bill Lyons","Est. reading time":"8 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/griffinfunding.com\/blog\/bank-statement-loans\/mortgage-for-self-employed\/#article","isPartOf":{"@id":"https:\/\/griffinfunding.com\/blog\/bank-statement-loans\/mortgage-for-self-employed\/"},"author":{"name":"Bill Lyons","@id":"https:\/\/griffinfunding.com\/#\/schema\/person\/83571cd7f738a7f95cae1a44ad0b7ef1"},"headline":"A Guide to Getting a Mortgage When You\u2019re Self-Employed","datePublished":"2023-04-03T17:33:24+00:00","dateModified":"2026-03-22T00:21:59+00:00","mainEntityOfPage":{"@id":"https:\/\/griffinfunding.com\/blog\/bank-statement-loans\/mortgage-for-self-employed\/"},"wordCount":1509,"publisher":{"@id":"https:\/\/griffinfunding.com\/#organization"},"image":{"@id":"https:\/\/griffinfunding.com\/blog\/bank-statement-loans\/mortgage-for-self-employed\/#primaryimage"},"thumbnailUrl":"https:\/\/griffinfunding.com\/wp-content\/uploads\/2023\/04\/A-Guide-to-Getting-a-Mortgage-When-Youre-Self-Employed.jpg","articleSection":["Bank Statement Loans"],"inLanguage":"en-US"},{"@type":"WebPage","@id":"https:\/\/griffinfunding.com\/blog\/bank-statement-loans\/mortgage-for-self-employed\/","url":"https:\/\/griffinfunding.com\/blog\/bank-statement-loans\/mortgage-for-self-employed\/","name":"Self-Employed Mortgages: How to Qualify & Apply | Griffin Funding","isPartOf":{"@id":"https:\/\/griffinfunding.com\/#website"},"primaryImageOfPage":{"@id":"https:\/\/griffinfunding.com\/blog\/bank-statement-loans\/mortgage-for-self-employed\/#primaryimage"},"image":{"@id":"https:\/\/griffinfunding.com\/blog\/bank-statement-loans\/mortgage-for-self-employed\/#primaryimage"},"thumbnailUrl":"https:\/\/griffinfunding.com\/wp-content\/uploads\/2023\/04\/A-Guide-to-Getting-a-Mortgage-When-Youre-Self-Employed.jpg","datePublished":"2023-04-03T17:33:24+00:00","dateModified":"2026-03-22T00:21:59+00:00","description":"Getting a mortgage when you\u2019re self-employed can be tricky, but it\u2019s not impossible. Here\u2019s what to know about self-employed mortgage loans.","breadcrumb":{"@id":"https:\/\/griffinfunding.com\/blog\/bank-statement-loans\/mortgage-for-self-employed\/#breadcrumb"},"inLanguage":"en-US","potentialAction":[{"@type":"ReadAction","target":["https:\/\/griffinfunding.com\/blog\/bank-statement-loans\/mortgage-for-self-employed\/"]}],"about":{"@id":"https:\/\/griffinfunding.com\/#organization"}},{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/griffinfunding.com\/blog\/bank-statement-loans\/mortgage-for-self-employed\/#primaryimage","url":"https:\/\/griffinfunding.com\/wp-content\/uploads\/2023\/04\/A-Guide-to-Getting-a-Mortgage-When-Youre-Self-Employed.jpg","contentUrl":"https:\/\/griffinfunding.com\/wp-content\/uploads\/2023\/04\/A-Guide-to-Getting-a-Mortgage-When-Youre-Self-Employed.jpg","width":1512,"height":332},{"@type":"BreadcrumbList","@id":"https:\/\/griffinfunding.com\/blog\/bank-statement-loans\/mortgage-for-self-employed\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/griffinfunding.com\/"},{"@type":"ListItem","position":2,"name":"Bank Statement Loans","item":"https:\/\/griffinfunding.com\/blog\/category\/bank-statement-loans\/"},{"@type":"ListItem","position":3,"name":"A Guide to Getting a Mortgage When You\u2019re Self-Employed"}]},{"@type":"WebSite","@id":"https:\/\/griffinfunding.com\/#website","url":"https:\/\/griffinfunding.com\/","name":"Griffin Funding","description":"Mortgages &amp; Home Loan Lenders","publisher":{"@id":"https:\/\/griffinfunding.com\/#organization"},"potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/griffinfunding.com\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"en-US"},{"@type":"Organization","@id":"https:\/\/griffinfunding.com\/#organization","name":"Griffin Funding","url":"https:\/\/griffinfunding.com\/","logo":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/griffinfunding.com\/#\/schema\/logo\/image\/","url":"https:\/\/griffinfunding.com\/wp-content\/uploads\/2020\/09\/griffinteamlogo-42.jpg","contentUrl":"https:\/\/griffinfunding.com\/wp-content\/uploads\/2020\/09\/griffinteamlogo-42.jpg","width":500,"height":500,"caption":"Griffin Funding"},"image":{"@id":"https:\/\/griffinfunding.com\/#\/schema\/logo\/image\/"},"sameAs":["https:\/\/www.facebook.com\/griffinfunding","https:\/\/x.com\/griffinfunding","https:\/\/www.linkedin.com\/company\/griffin-funding","https:\/\/www.youtube.com\/@griffinfunding","https:\/\/www.instagram.com\/griffin_funding","https:\/\/www.bbb.org\/us\/ca\/san-diego\/profile\/mortgage-lenders\/griffin-funding-1126-172009171","https:\/\/www.zillow.com\/lender-profile\/griffinfunding\/","https:\/\/www.experience.com\/reviews\/company\/griffin-funding-1426"],"description":"Griffin Funding, founded in 2013, is a nationwide direct-to-consumer mortgage lender that specializes in bank statement loans for the self-employed, DSCR loans for real estate investors, VA loans for veterans and active-duty military, and home equity loans for homeowners. Griffin Funding is dedicated to delivering 5-star service, a fully-digital easy-to-use experience, and financial expertise.","email":"info@griffinfunding.com","telephone":"8005275910","legalName":"Griffin Funding, Inc.","foundingDate":"2013-09-17","duns":"07-979-5037","leiCode":"5493002WVA17MT4UFH84","naics":"522292","numberOfEmployees":{"@type":"QuantitativeValue","minValue":"51","maxValue":"200"}},{"@type":"Person","@id":"https:\/\/griffinfunding.com\/#\/schema\/person\/83571cd7f738a7f95cae1a44ad0b7ef1","name":"Bill Lyons","image":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/secure.gravatar.com\/avatar\/c0b679e4960454cca8759c2cccd0b4dcf2acd3f5bb2ef255efd806cf23263763?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/c0b679e4960454cca8759c2cccd0b4dcf2acd3f5bb2ef255efd806cf23263763?s=96&d=mm&r=g","contentUrl":"https:\/\/secure.gravatar.com\/avatar\/c0b679e4960454cca8759c2cccd0b4dcf2acd3f5bb2ef255efd806cf23263763?s=96&d=mm&r=g","caption":"Bill Lyons"},"description":"Bill Lyons is the Founder, CEO &amp; President of Griffin Funding. Founded in 2013, Griffin Funding is a national boutique mortgage lender focusing on delivering 5-star service to its clients. Mr. Lyons has 25 years of experience in the mortgage business. Lyons is seen as an industry leader and expert in real estate finance. Lyons has been featured in Forbes, Inc., Wall Street Journal, HousingWire, and more. As a member of the Mortgage Bankers Association, Lyons is able to keep up with important changes in the industry to deliver the most value to Griffin's clients. Under Lyons' leadership, Griffin Funding has made the Inc. 5000 fastest-growing companies list five times in its 12 years in business. Follow his updates on LinkedIn.","sameAs":["https:\/\/griffinfunding.com\/our-team\/bill-lyons\/","https:\/\/www.facebook.com\/griffinfunding","https:\/\/www.linkedin.com\/in\/lyons\/","https:\/\/x.com\/https:\/\/x.com\/griffinfunding","https:\/\/www.youtube.com\/@Griffinfunding"],"url":"https:\/\/griffinfunding.com\/blog\/author\/griffinfunding\/"}]}},"_links":{"self":[{"href":"https:\/\/griffinfunding.com\/wp-json\/wp\/v2\/posts\/5640","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/griffinfunding.com\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/griffinfunding.com\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/griffinfunding.com\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/griffinfunding.com\/wp-json\/wp\/v2\/comments?post=5640"}],"version-history":[{"count":0,"href":"https:\/\/griffinfunding.com\/wp-json\/wp\/v2\/posts\/5640\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/griffinfunding.com\/wp-json\/wp\/v2\/media\/5756"}],"wp:attachment":[{"href":"https:\/\/griffinfunding.com\/wp-json\/wp\/v2\/media?parent=5640"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/griffinfunding.com\/wp-json\/wp\/v2\/categories?post=5640"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/griffinfunding.com\/wp-json\/wp\/v2\/tags?post=5640"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}