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Content on this blog is for general informational and educational purposes only and should not be considered financial, legal, tax, or mortgage advice. Loan programs, guidelines, rates, terms, and availability are subject to change and may vary based on individual qualifications and other factors. Please contact Prime Choice Funding to discuss your specific situation and available mortgage options.

September 21, 2026

Home Purchase, Non-Agency (Non-QM), Self-Employed

P&L Mortgage Loans: Can Self-Employed Borrowers Qualify Without Tax...

Self-employed and looking for a mortgage without relying on traditional tax-return income? Learn how certain P&L mortgage programs may allow eligible borrowers to qualify using a Profit & Loss statement.

September 14, 2026

Home Purchase, Non-Agency (Non-QM), Self-Employed

1099 Mortgage Loans: How Self-Employed Borrowers May Qualify Using...

Self-employed or paid on a 1099? Learn how certain 1099 mortgage programs may allow eligible borrowers to qualify using 1099 income and how these options compare with bank statement and P&L mortgages.

September 9, 2026

Home Buying, Non-Agency (Non-QM), Refinance, Self-Employed

Asset Utilization Loans: Can Your Savings and Investments Help...

Have significant savings or investments but income that doesn't fit traditional mortgage guidelines? Learn how an Asset Utilization loan may allow eligible financial assets to help you qualify for a mortgage.

September 2, 2026

Home Equity, Non-Agency (Non-QM), Self-Employed

Can Self-Employed Homeowners Use Home Equity to Pay Off...

Self-employed and carrying high-interest debt? If you've built equity in your home, you may have options. Learn how a Cash-Out Refinance, Home Equity Loan (HELOAN), HELOC, and certain alternative-documentation programs may help qualified homeowners access their equity.

August 27, 2026

Home Purchase, Non-Agency (Non-QM), Self-Employed

Can You Get a Mortgage With Only One Year...

For entrepreneurs, freelancers, independent contractors, and business owners, becoming self-employed can create new opportunities — but it can also make qualifying for a traditional mortgage more complicated. One common concern is employment history. Many self-employed borrowers assume

August 26, 2026

Non-Agency (Non-QM), Self-Employed

Self-Employed? You May Not Need Tax Returns to Qualify...

Owning your own business, working as an independent contractor, or earning income through freelance or gig work can offer flexibility and opportunity. However, when it comes to qualifying for a mortgage, many self-employed borrowers believe they face more obstacles than traditional W-2 employees.