Home loans · Georgia & California

Self-employed and alternative-income loans

If your tax returns don't show what you really earn, these Non-QM loans use other proof of income: bank statements, a CPA-prepared profit and loss statement, 1099s or an employment verification.

Get pre-approved Call 626.702.1888

Who it’s for

Business owners with large write-offs
1099 contractors and gig workers
Employees whose income is hard to document the usual way
Buyers of a primary home, a second home or an investment property

How it works

12 to 24 months of bank statements: business or personal deposits are used to calculate income. No tax returns.

Profit and loss statement: a P&L prepared by a CPA or tax preparer in place of tax returns. Designed for self-employed borrowers.

1099 only: recent 1099 forms, for independent contractors.

Employment verification (VOE) only: your employer confirms your job and income, with no tax returns.

Non-QM loans sit outside the standard qualified-mortgage rules, so pricing is usually higher and the down payment usually larger than a conventional loan.

Good to know

Before you apply, I will look at how your income is documented and tell you which path fits, so there are no surprises in underwriting.

Get started

Ask about self-employed and alternative-income loans

Share a few details and I will call you within one business day. This form is not a loan application and does not affect your credit. Please do not include your Social Security number or any documents here.

扫码加微信，中文咨询贷款Or call 626.702.1888, or email zion.chen@orangepathfinancial.com

Other loan programs

All home loans →

Conventional and jumbo loansFannie Mae and Freddie Mac loans, and jumbo loans above the conforming limit.Learn more →DSCR loans for investorsQualify on the property's rent, not your personal income.Learn more →Foreign national and ITIN loansFor buyers without a Social Security number, overseas investors and many visa types.Learn more →HELOC and cash-out refinanceTurn home equity into cash and keep your current low rate.Learn more →Commercial loansBuy or refinance warehouses, offices, retail, multifamily and hotels.Learn more →

Long (Zion) Chen, NMLS #2869394, licensed mortgage loan originator in Georgia (MLO License #2869394) and California (DFPI MLO License CA-DFPI2869394), sponsored by OrangePath Financial Inc., NMLS #2070941. This is not a commitment to lend. All loans are subject to credit approval and underwriting; terms, programs and eligibility are subject to lender approval, and not all programs are available in every state. OrangePath Financial Inc., NMLS #2070941, 3635 Peachtree Industrial Blvd, Ste 250, Duluth, GA 30096, is an Equal Housing Lender. Georgia Residential Mortgage Licensee #2070941. Licensed by the Department of Financial Protection and Innovation under the California Residential Mortgage Lending Act, #60DBO-149772. NMLS Consumer Access