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.