Looking to buy your dream home in Texas but self-employment makes traditional mortgage approval tricky? At Michael Fahey at Texas Mortgage Associates, we make home financing accessible for self-employed borrowers with flexible Non-QM mortgage options. Our solutions allow you to qualify using alternative mortgage documentation such as bank statements, profit and loss statements, or 1099 forms—helping small business owners, freelancers, contractors, and gig workers secure the home of their dreams.
Navigating the mortgage process as a self-employed borrower can be complex, but our Non-QM mortgage programs are designed to simplify approval. We guide you through the mortgage application process for self-employed borrowers, including income verification for freelancers and business income documentation, so you can move forward confidently.
Michael Fahey at Texas Mortgage Associates provides guidance throughout the entire mortgage process—from pre-approval to closing—ensuring you understand:
Our mortgage programs are tailored to meet the needs of self-employed borrowers across Texas:
Helping self-employed borrowers secure financing for single-family homes, second homes, investment properties, and more:
We make applying for a Non-QM loan simple:
When it comes to self-employed mortgage financing in Texas, working with an experienced mortgage lender makes all the difference. Our team offers:
We partner with lenders experienced in Non-QM financing for gig workers and self-employed borrowers, providing faster approvals and tailored mortgage solutions for Texas residents.
Whether you’re buying your first home, a second home, or an investment property, Michael Fahey at Texas Mortgage Associates helps self-employed borrowers navigate the mortgage process with confidence. From Non-QM loans to bank statement mortgage programs, we provide the expertise you need to buy smarter and faster.
A freelance designer in Austin, Texas, purchased her first home using a Non-QM mortgage, providing bank statements and profit-and-loss documents for income verification. Michael Fahey at Texas Mortgage Associates helped plan her down payment and optimize her DTI, allowing her to close quickly and maintain business cash flow. She’s now building her real estate portfolio with confidence.
Yes! Non-QM loans allow self-employed borrowers to qualify using alternative documentation like bank statements, profit & loss statements, or 1099s.
Business bank statements, P&L statements, 1099 forms, and, if applicable, business licenses or insurance.
Typically, Non-QM loans require a minimum of 15% down, though options exist for using gift funds.
Lenders evaluate consistent deposits, profit & loss statements, and alternative income documentation to determine your qualifying income.
Sometimes, yes, because Non-QM loans account for income variability. Our team works to secure competitive rates based on your financial profile.