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.
What our Clients say
Trusted by families across the Treasure Coast.
Tim and his team are the best! Would have not been able to close without him. I was working with a different company before him and there was a lack of communication with what was needed to close. Tim came in with a very short time frame and was very clear with what needed to happen for me to close. He made it happen fast and smoothly. Would recommend for everyone looking for a mortgage.
Tim was absolutely amazing figuring our mortgage out. It was such a stressful situation and the first lender denied us literally at the last minute! But Tim kept us calm and reassured us that it was gonna happen. And let me tell you he did it! He pulled a rabbit out of the hat and made some magic happen! I just cannot say enough about how pleased we are with Contour. Tim and his Wife Liz make an excellent team and even followed up with us when this stressful process was all done. You can tell they really care about their clients. We will definitely be only using them in our next mortgage!
Im a 25 year old Navy veteran going through college. My wife and I wanted a house to start building our family and Tim made ut all possible. He worked with us to fix our finances, and get us into our dream house. My family and I are extremely greatful for the work that Tim did and we are hoping that if anyone is in a similar situation in life and are too scared to try, you feel a little more comfortable with letting Tim help you.