Self-Employed? Let Braun Mortgage Group Help You Secure Your Dream Home

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Being self-employed offers flexibility and independence, but it can also make securing a mortgage more complicated. As business owners ourselves, we know your tax returns don't tell the whole story. Together, we've closed over $1 billion across our 22+ years in the mortgage business, and helping self-employed buyers across Sarasota, Bradenton, and Lakewood Ranch get approved is one of our proudest specialties. Whether you're buying your first home, refinancing, or upgrading, we're here to guide you through every step of the process.​

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Why Choosing a Mortgage as a Self-Employed Homebuyer Is Possible

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When you’re self-employed, your income may not look the same on paper as it does for someone with a traditional job. But that doesn’t mean you can’t qualify for a great mortgage! We have experience helping self-employed individuals like you get the financing you need to purchase your dream home.

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How Braun Mortgage Group Can Help You Secure Your Mortgage

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• Tailored Mortgage Solutions: We offer mortgage options specifically designed for self-employed buyers, including flexible income verification methods that take into account your unique financial situation.
   

• Pre-Approval Made Easy: We’ll help you get pre-approved for your mortgage, so you know exactly what you can afford before you start house hunting. This ensures a smooth and stress-free buying process.
   

• Expert Advice and Support: Our team knows the ins and outs of self-employed income. We’ll guide you through the paperwork and help you present your financial picture in the best possible way to get approved.
   

• Competitive Rates and Terms: We offer competitive rates and loan terms to make sure your mortgage is affordable.
   

Why Choose Braun Mortgage Group?
 

• Experience with Self-Employed Borrowers: We’ve helped countless self-employed clients secure their mortgages. We know what lenders are looking for and can help you navigate the process with ease.
   

• Personalized Service: We understand that no two self-employed people are the same. That’s why we take the time to get to know your business and your financial goals, offering customized mortgage solutions just for you.
   

• Quick and Easy Process: Our process is designed to be straightforward and efficient, so you can get into your new home without unnecessary delays.
   

• We’re Here to Help: The mortgage process can be tricky, but we’re here to make it as easy as possible. From start to finish, we’ll walk you through every step.
   

Ready to Secure Your Dream Home?
 

Being self-employed doesn’t mean you can’t own your dream home. Let Braun Mortgage Group help you find the right mortgage solution to fit your needs. Click the apply button below to get more information and start the process today!

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Self-Employed Mortgage FAQs for Sarasota, Bradenton & Lakewood Ranch

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Can I get a mortgage in Florida if I'm self-employed?

Yes. If two years of tax returns support your income, a conventional loan is usually the lowest-cost route. If write-offs shrink your taxable income, bank-statement and other non-QM programs qualify you using 12-24 months of business or personal bank deposits instead of tax returns.

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How many years of self-employment do I need?

Most programs look for two years of self-employment history. One year can work with a strong prior history in the same field. We'll tell you exactly where you stand in one free conversation.

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What is a bank statement loan and how does it work?

Instead of tax returns, the lender reviews 12-24 months of bank statements to calculate your real cash flow. It's built for business owners whose tax returns understate what they actually earn.

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Do write-offs hurt my mortgage application?

On a conventional loan, they can - deductions lower your qualifying income. That's the write-off paradox: a smart tax year can look like a weak income year. A bank statement loan solves it by qualifying you on deposits, not taxable income.

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What documents does a self-employed buyer need?

Typically: two years of personal (and business, if applicable) tax returns OR 12-24 months of bank statements, a year-to-date profit & loss, business license or CPA letter, and standard credit and asset documentation. We tell you the exact list for your situation up front - no surprises mid-process.

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Bank statement loan vs conventional - which is better?

Conventional usually wins on rate if your returns support the income. Bank statement wins when write-offs would sink a conventional approval. As independent brokers we price both across multiple lenders and show you the real numbers side by side.

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Can I use a DSCR loan for an investment property if I'm self-employed?

Yes - DSCR loans qualify the property on its rental income, not your personal income, which makes them a favorite for self-employed investors across Sarasota, Bradenton, and Lakewood Ranch.

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Have a question we didn't answer? Call or text Greg at (941) 315-2112 - we're available 24/7, and the consultation is always free.