Self-Employed Home Loans
Real qualification paths for self-employed borrowers whose tax returns don't tell the full story of their income.
Talk to a Local ExpertWhy self-employed borrowers choose FCLS.
Bank statement qualification
Qualify using 12-24 months of personal or business bank deposits instead of tax returns.
P&L and asset-based options
Additional paths for borrowers whose tax returns don't reflect their true cash flow.
No two years of tax returns required
Several of our programs skip the standard two-year tax return requirement entirely.
In-house underwriting flexibility
As a correspondent lender, we make the call on self-employed files ourselves — not a distant underwriting desk.
Ready to see which program fits your income? Here's how.
Self-employed qualification depends heavily on how your income is documented. Watch a short walkthrough of the steps, or connect directly with a local expert who works with business owners regularly.
Talk to a Local Expert
We're here to help. Anytime.
Have questions about bank statement qualification, P&L programs, or how self-employment income is calculated? Get neighborly, straight answers.
Better equipped to help you qualify.
By funding loans with our own capital, we go beyond traditional options to find the self-employed program that actually fits your situation.
More than just loans.
We reinvest locally across Knoxville, Nashville, Sevierville, Dayton, and now Florida — because we're part of the same communities we lend in.
Not sure Self-Employed Home Loans is the right fit?
Four steps from application to keys in hand.
Complete your application on your own schedule. Your loan officer handles the rest.
Tell us about you
Submit your application online and upload documentation securely — no paperwork required.
Choose your program
Your loan officer walks you through the rate and program that fits your situation best.
Get approved
We review your loan, order the appraisal, and verify details — funded with our own capital.
Close your loan
Sign your final documents and get your keys. You'll stay a part of the FCLS family after close.
Learn more with articles from our blog.
The 3 Economic Indicators We Watch Every Week (And Why They Matter to Mortgage Rates)
6 Signs You’re Ready to Buy a Home (Not Just Financially)
What Do Mortgage Lenders Look At? 5 Things to Get in Order Before You Apply
