Self-Employed Suite
Running your own business is hard work and your mortgage experience should reflect that. At Flint Hills Mortgage, we know that self-employed borrowers and business owners don't always fit the traditional lending mold. Whether it's evaluating income based on your 1099s, using bank statements to show cash flow, or qualifying through your assets — we have options for you. We're here to help you find the path that works for your unique situation.
Bank Statement Loans: Use 12–24 months of personal or business bank statements to calculate qualifying income instead of tax returns or W-2s. A great fit for business owners whose deductions reduce taxable income on paper.
- No tax returns or W-2s required
- Available for primary residences, second homes, and investment properties
1099 Loans: Qualify using your 1099 income history — no traditional pay stubs required. Ideal for contractors, freelancers, and gig workers with consistent income.
- 1099 forms accepted in place of tax returns
- Typically requires 1–2 years of consistent 1099 income history
Asset-Based Loans: Have significant assets but lower income on paper? We can calculate qualifying income based on your liquid assets — making homeownership accessible for retirees and high-net-worth individuals.
- Qualify using retirement accounts, investment portfolios, or savings
- No traditional income documentation required
Not sure which option fits? We'd love to help you find the right fit. Give us a call or send us a message today!