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Loan Program

Self Employed Income Loans

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Self-Employed Income Loans

At OM Mortgage, we understand that self-employed borrowers often face unique challenges when applying for a home loan. That’s why we offer flexible solutions tailored to fit non-traditional income profiles. Whether you’re a business owner, freelancer, or independent contractor, we’ll work with you to structure a loan that aligns with your cash flow, not just your tax returns.

Our team brings experience and clarity to the process—offering competitive loan options, responsive support, and a clear path forward. From home purchases to refinances or real estate investments, we’re here to help you secure financing that fits your goals and reflects the work you’ve built for yourself.

Resources

Get started by using one of our FREE tools!

No matter what your situation is, there is a home financing solution for you. We are ready to guide you through your options and get you the best deal possible!

Conventional

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FHA

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VA

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Jumbo

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Renovation

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USDA

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Bank Statement Loans

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Reverse Mortgages

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DSCR

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ITIN Loans

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Fix and Flip Loans

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P&L Only Loans

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One Time Close Construction

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Bridge Loans

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1099 Income Loans

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Rate Buydown

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HELOC

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HELOAN

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Non-QM Loans

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Down Payment Assistance

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Self Employed Income Loans

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Experts

Check out our other mortgage calculators

Access our top-rated mortgage calculators to expertly assess your financing options, compare various loan types, and make informed decisions for your home buying journey.

Affordability Calculator

Assess how much home you can afford based on your income, expenses, and desired down payment.

Early Payoff Calculator

See how making extra payments can help you pay off your mortgage faster and save on interest.

Rent vs Buy Calculator

Compare the costs of renting versus buying a home to determine the best financial decision for your situation.

Rate Buydown Calculator

Check out how much you can save with a seller-paid rate buydown.

Mortgage Payment Calculator

See what your monthly payment could be with our general repayment mortgage calculator.

Mortgage Comparison Calculator

Compare different mortgage options side by side to find the best fit for your financial needs.

DSCR Investor Calculator

See what your investor ratio is with our DSCR calculator.

Refinance Comparison Calculator

Evaluate the potential savings and costs associated with refinancing your existing mortgage.

Adjustable Rate Mortgage Calculator

Determine your potential monthly payments and interest costs for an adjustable-rate mortgage over time.

VA Calculator

Estimate your monthly payments and total costs for a loan backed by the Department of Veterans Affairs.

Jumbo Calculator

Calculate your monthly payments and total costs for a jumbo mortgage that exceeds conforming loan limits.

FHA Calculator

Determine your potential monthly payments and total costs for a Federal Housing Administration loan.

Conventional Calculator

See the monthly payment and total cost for a conventional mortgage loan.

USDA Calculator

Calculate the costs and monthly payments associated with a USDA Rural Development loan.

203k Renovation Calculator

Analyze your debt service coverage ratio to evaluate the profitability of an investment property.