Running your own business shouldn’t make it harder to own a home. At Family Home Loans, we understand that self-employed individuals and business owners often face unique challenges regarding traditional mortgage applications. That’s why our Self-Employed Loan Programs are designed with your reality in mind—offering flexible income documentation and personalized terms to make financing more accessible.
Why This Loan Program Works for You
Flexible Income Verification
We accept bank statements, asset depletion methods, and other alternative documentation.
No Tax Returns Needed
Qualify based on actual cash flow without the hassle of submitting tax returns.
Higher Loan Amounts
Perfect for business owners with non-traditional income streams or complex financial structures.
Competitive Interest Rates
Enjoy attractive rates that rival conventional loans, even with flexible verification.
Customized Loan Terms
We tailor your mortgage to match your short-term and long-term financial goals.
Are You Eligible?
To qualify, you’ll typically need:
Minimum 2 years of self-employment or business ownership
Ability to provide 12–24 months of bank statements or equivalent documentation
A strong credit profile (exact score depends on loan type and amount)
The Perks of Choosing Us
Streamlined Application Process – Less paperwork, faster approvals
Flexible Underwriting – Designed for the unique needs of entrepreneurs
Growth-Friendly Loans – Financing that evolves with your business goals
Take the Next Step Toward Homeownership
Let our experienced team walk you through a hassle-free mortgage experience that respects your entrepreneurial journey. Whether you're buying a home or refinancing, we'll help you secure a loan that works on your terms.
Get A Quote
Start your journey today, feel free to reach out to us for personalized mortgage guidance and assistance.
1212 Suncast Lane, Suite 1 El Dorado Hills, Ca. 95762
Family Home Loans
Many years of dedicated service have allowed us to play a crucial role in turning home aspirations into reality, always with a keen eye on keeping it within our customers' financial reach.
Disclosure: The content provided within this website is presented for information purposes only. This is not a commitment to lend or extend credit. Information and/or dates are subject to change without notice. All loans are subject to credit approval. Other restrictions may apply. Mortgage loans may be arranged through third party providers.
