Self-Employed Mortgage Calculator
Calculate your mortgage payments as a self-employed borrower. Estimate income verification, DTI ratios, and loan qualification for freelancers and business owners.
Self-Employed Mortgage Calculator
Estimate your mortgage payments and qualification as a self-employed borrower
The full self-employed mortgage calculator is available on our main calculator page
Go to Main CalculatorIncome Verification Methods
- Tax Returns: Average net income from Schedule C
- Bank Statements: Alternative income verification
- P&L Statements: Recent business performance
- CPA Letters: Professional income verification
Requirements
- 2+ years self-employment history
- Stable or increasing income
- Good credit score (620+)
- Sufficient income for payments
Self-Employed Loan Programs
Understanding loan options for self-employed borrowers
Bank Statement Loans
Use bank deposits instead of tax returns to verify income
Requires 12-24 months bank statementsNo-Doc Loans
Limited documentation loans for qualified borrowers
Higher rates, stricter requirementsStated Income Loans
Alternative income verification programs
Available from specialty lendersCalculate Your Self-Employed Mortgage
Use our mortgage calculator to estimate your payments as a self-employed borrower.
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