Self-Employed Mortgage Loans in Denver, CO
Robert Castle
The Mortgage Problem Solver
Powered By Excel Financial Group
Getting a home loan as a self-employed professional in Denver doesn’t have to be difficult. Whether you’re a freelancer, small business owner, contractor, or gig worker, there are mortgage options designed to work with your income documentation. This guide explains how self-employed borrowers in Denver can qualify for competitive mortgage rates and what steps to take to secure approval.
Challenges Self-Employed Borrowers Face in Denver
Unlike traditional W-2 employees, self-employed applicants must provide additional proof of income and tax documentation. Lenders often ask for:
-Two years of personal and business tax returns
-Year-to-date profit and loss statements
-Bank statements or 1099s
By understanding what lenders look for, you can prepare ahead of time.
Mortgage Loan Options for Self-Employed Buyers in Denver
Conventional Loans – With solid credit and documentation, self-employed borrowers can qualify just like W-2 employees.
Bank Statement Loans – Some lenders allow qualification based on 12–24 months of bank deposits instead of tax returns.
FHA Loans – Lower down payment options; still available to self-employed borrowers who meet documentation requirements.
Non-QM Loans – Flexible underwriting for unique income situations.
How to Qualify for the Best Rate in Denver
-Keep business and personal finances separate
-Reduce outstanding debts before applying
-Maintain a strong credit score
-Work with a mortgage broker experienced in self-employed loans
Interested In A Mortgage Calculation, Quote, Or More Info?
Information Sources:
Zillow: Denver CO Home Values
Bankrate: Colorado Mortgage Rates