Being self-employed comes with freedom — but also unique challenges when it’s time to buy a home. Traditional lenders often rely solely on W-2s and tax returns, which can understate your true earning potential.
At Contour Mortgage, Tim and Liz Serratt specialize in helping independent professionals and small-business owners qualify with flexible documentation options. Our Self-Employed Mortgage Solutions are designed to make financing more accessible without sacrificing competitive rates or transparency.
Programs include:
- Bank Statement Loans — Use 12 to 24 months of business or personal bank statements to verify income. Perfect for entrepreneurs with strong cash flow but variable income.
- Profit & Loss (P&L) Loans — Provide 1–2 years of CPA-prepared P&L statements in place of tax returns. Simplify the process while showcasing your real business performance.
Whether you’re a consultant, freelancer, or small-business owner, we’ll help you find a loan program that reflects your true financial picture — not just your paperwork.
Tim and Liz guide you every step of the way, from documentation to closing, making sure your mortgage works as hard as you do.
Disclaimer: Non-QM (non-qualified mortgage) loans are designed for borrowers who may not meet standard agency or government guidelines. These loans may have higher interest rates, fees, down payment and reserve requirements than traditional conforming or government-insured loans and are not eligible for purchase or guarantee by Fannie Mae, Freddie Mac, FHA, VA, or USDA. Program terms, conditions, and availability are subject to change without notice. Not all applicants will qualify.
What our Clients say
Trusted by families across the Treasure Coast.
I wanted to take a moment to thank Tim Serrat and the Contour Mortgage Team for the excellent job they did leading to purchase of my new home in Satellite Beach. Tim did an outstanding job from day one. He got me the best finance rate, explained the entire process and walked me through every step of the way. Everything happened exactly like he promised with no surprises. Tim was super responsive answering calls and clarifying any questions. To top it off he connected me with the home insurance company that ended up providing the best quote and coverage I could find. I highly recommend Tim Serrat and Contour Mortgage to anyone looking to finance or re-finance their home.
From the very first meeting with Tim I could tell he truly listened and cared about my situation he made the whole process of applying for a mortgage seem pretty easy even though I’m a single mom and the last time I bought a house was 10 years ago! Everybody at Contour mortgage is kind and helpful so glad I trusted first Scott and Janice Reynolds to even believe it was possible and then Tim made it a reality!!! Thank you to Sarah my realtor she’s a sweetheart looking at houses can be exhausting but we did it together smiling even laughing sometimes at the process of trying to find the right house for me. I highly recommend Contour Mortgage excellent team!!
I recently relocated from New York to purchase a home in Vero Beach, and Tim Serratt from Contour Mortgage came highly recommended. I’m so glad I was connected with him — he was absolutely fantastic to work with from start to finish.
Tim has a calm, reassuring demeanor that immediately put me at ease. He is incredibly knowledgeable and walked me through every step of the mortgage process with patience and clarity. Buying a home from out of state can be stressful, but Tim truly held my hand throughout the entire journey and made everything feel manageable.
If you’re looking to purchase a home in Florida and want a mortgage professional who is both skilled and genuinely supportive, I highly recommend working with Tim.