Self-employed mortgage loans in tennessee
Business owner or 1099 earner? Tax returns rarely show what you truly make. I match you with lenders who underwrite real-world income, so your success works for you, not against you.
"Why self-employed buyers get stuck at the bank"
Most banks have one way to read income: two years of clean W-2s and tax returns. Write-offs that are smart for your business — equipment, vehicles, home office, depreciation — shrink the income a bank is willing to count. You end up "earning too little to qualify" on paper while running a healthy business in real life. Because I'm a broker, I'm not stuck with one lender's rulebook. I work with lenders whose entire programs are designed around how self-employed people actually earn.
"Loan programs built for the self-employed"
Bank Statement Loans
Qualify using 12–24 months of personal or business bank statements instead of tax returns. Your deposits tell the story of your income.
Profit & Loss (P&L) Loans
Qualify based on a profit-and-loss statement for your business, often prepared by your CPA, a clean way to document income without the tax-return haircut.
Asset-Based Loans
Qualify using your liquid assets (savings, investments, retirement) rather than your monthly income. A strong fit if your wealth is in the bank, but your taxable income is low.
1099 Income Loans
Built for independent contractors and gig earners who are paid on 1099s rather than W-2s.
Conventional Loans (when they fit)
If your tax returns do support a traditional loan, I'll tell you — sometimes that's still the best path, and I'll run both so you can compare.
"Who these programs work for"
Business owners and the self-employed
1099 independent contractors and gig workers
Real estate investors and entrepreneurs
Commission-based earners with variable income
Anyone whose tax returns don't reflect their true earning power
"How it works"
1. Free 15-minute call.
Tell me how your income is structured. No tax returns needed to start the conversation.
2. We match the program.
I review your situation and identify which lender programs fit — bank statement, P&L, asset-based, or conventional.
3. Get pre-approved.
I fully review your file up front so your pre-approval holds weight when you make an offer.
4. Close.
Weekly updates and milestone notifications the whole way through.
Self-made deserves a self-made loan.
FAQ
"Can I get a mortgage if I'm self-employed in Tennessee?"
Yes. Self-employment doesn't disqualify you; it just means we may use a program designed to document your income differently than a standard W-2 loan. Several lenders specialize in exactly this.
"Do I need two years of tax returns?"
Not necessarily. Programs like bank statement and P&L loans are designed so you don't have to qualify using tax returns. The right documentation depends on the program we choose together.
"How long do I need to be self-employed?"
Many programs look for around two years of self-employment history, but requirements vary by lender and program. Some allow less in the right circumstances; it's worth a conversation.
"What is a bank statement loan?"
It's a loan that qualifies you using the deposits in your personal or business bank statements (typically 12–24 months) rather than tax returns, so your real cash flow drives the approval.
"Are the rates higher on these programs?"
Non-QM programs can carry different pricing than standard conventional loans because they're underwritten differently. The right comparison is whether you qualify comfortably and the loan fits your goals. I'll lay out the options honestly so you can decide.
Self-employed and ready to see your options?
Talk through your options. No tax returns needed.
Dennis Tulpa | NMLS #1146435 | Licensed in Tennessee Broadway Mortgage Group, a DBA of The Turnkey Foundation, Inc., also DBA Arbor Financial Group | NMLS #236669 Equal Housing Lender Verify our licensing at the NMLS Consumer Access site: www.nmlsconsumeraccess.org This is not a commitment to lend. All loans are subject to credit approval, property appraisal, and other underwriting requirements. Rates and terms are subject to change without notice. Not all applicants will qualify.
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