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Explaining Mortgage Options for Self-Employed Borrowers with Irregular Income

May 9, 2025 by Robby Oakes

Securing a mortgage can be challenging for self-employed borrowers, especially those with irregular income. Traditional lenders typically rely on W-2s and steady paychecks to assess financial stability, which can make qualifying more complex for business owners, freelancers, and gig workers. However, several mortgage options cater specifically to self-employed individuals, allowing them to secure financing based on alternative income verification methods.

Filed Under: Mortgage Tips Tagged With: Mortgage Options, Mortgages, Self-Employment

Mortgage Challenges For Self-Employed Home Buyers

November 28, 2018 by Robby Oakes

It’s no secret that mortgage lending institutions look favorably on steady paychecks and positive debt-to-income ratios. That can leave many self-employed prospective home buyers feeling anxious about getting approved for a mortgage. But just like the 9-to-5ers who get regular paychecks, self-employed people earning a good living can get approved with a little due diligence.

Filed Under: Mortgage Tagged With: Credit Score, Mortgage, Self-Employment

Robby Oakes


Robby Oakes

CIMG Managing  Director
NMLS# 91606

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