Loan programs designed for business owners, freelancers, and investors who may not qualify using traditional W-2 income.
Flexible programs designed for business owners, freelancers, and investors
Qualify using 12 or 24 months of bank deposits instead of tax returns.
Qualify based on a profit and loss statement rather than tax returns.
Qualify based on the property’s rental income rather than personal income.
Many self-employed professionals and business owners earn income differently than traditional W-2 employees. Because of write-offs and variable income, standard mortgage guidelines don’t always reflect their true buying power.
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At Society Mortgage, we offer flexible programs that allow qualified buyers to use bank deposits, profit and loss statements, assets, or rental income to demonstrate income and move forward with clarity.
We simplify the mortgage process with clear communication and real support.
Upload documents securely, message your Loan Expert, and receive real-time updates throughout your loan process in one easy-to-use app.
Many lenders offer programs that allow buyers to qualify using bank deposits, profit & loss statements, assets, or rental income rather than traditional W-2 income.
Some programs allow qualification without tax returns, depending on income type and documentation.
Certain programs allow eligible buyers to use rental income from investment properties as part of qualification.
Credit score requirements vary by program and borrower profile.
Many buyers receive a preliminary pre-approval decision within 24 hours after submitting required information.
Some programs allow qualifying assets to be used as part of the mortgage evaluation.
