Your Bank Statements Say “Yes” Even When Your Tax Returns Say “No.”
Don’t let a rigid bank cost you your dream home in the Arizona sun.
We specialize in self-employed mortgage solutions for business owners and 1099 professionals relocating
to Phoenix, Scottsdale, and across the Grand Canyon State.
Self-Employed loans
You write off income to run a smart business. Traditional banks penalize you for it. We don’t.
Most lenders only look at the “bottom line” of your tax returns. If you maximize your legal deductions, they see lower income, and a higher risk. At Aslan Home Lending, we understand the 1099 professional and the
S-Corp owner. We use alternative documentation to prove your ability to repay, ensuring your tax strategy doesn’t block your homeownership goals.
- Bank statement qualification options
- 1099 income welcome
- Commission and bonus income considered
- Tax write-offs don't have to derail approval
If You Are Financially Stable, Why Does Buying a Home Still Feel Out of Reach?
Big banks rely on one version of income. Real life is more complicated. If your income does not fit neatly into a W 2 box, you are not alone and you are not out of options.
- Self employed or business owner
- 1099 or independent contractor
- Freelancer or consultant
- Multiple income Streams
- Truck driver or owner operator
- Airline pilot or flight crew
- Traveling nurse or healthcare professional
- Commission based or bonus heavy earner
How it Works
How self-employed income qualification works:
Step 1 - The Cash Flow Analysis.
We analyze 12 to 24 months of business bank statements to calculate your qualifying income based on real-world deposits.
Step 2 - Sun-Belt Market Pre-Approval.
Wherever you have your eye on a home our strong pre-approval can help strengthen your offer with sellers
Step 3 - The Frictionless Close.
Our team walks you through documentation, expectations, and next steps so there are no surprises. The goal is clarity, not complexity.
Common Questions from Self-Employed Borrowers
Do I need to provide tax returns?
Not always. Many self employed borrowers qualify using bank statements or alternative documentation. Heavy write offs do not automatically disqualify you.
I am a 1099 or independent contractor. Can I still qualify?
Yes. 1099 income and independent contractor income are welcome. We work with programs designed specifically for self employed borrowers.
What if my income changes month to month?
Variable income is common for business owners, commission based earners, and contractors. We look at income patterns and real cash flow, not just one snapshot in time.
I take a lot of write offs. Will that hurt me?
Write offs do not have to be a dealbreaker. Traditional banks rely heavily on taxable income. We use options that look beyond that.
Can this be used for buying or refinancing?
Yes. These loan options can be used for purchases, refinances, and cash out refinances depending on your goals.
I was told no by a big bank. Is it worth trying again?
Absolutely. Big banks use one rigid box. We specialize in borrowers who do not fit that box and help find a path to yes.
Curious to See What You Qualify For When Your Income is Looked at Differently?
A quick conversation can help you understand your options without commitment or pressure.
Aslan Home Lending Corporation
Company NMLS #: 1868120
1777 S. Harrison Street Denver, CO 80210
Phone: (720) 897-1525
Fax: 7203986034
Loan approval and terms subject to underwriting guidelines, investor approval, and credit review. Not all applicants will qualify. Programs, rates, and terms are subject to change without notice
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We offer a wide range of loan products including conventional, government, and non-QM options. Loan options are presented based on your qualifications.