Your Journey
Self-Employed Mortgage Financing
Your tax returns don't tell the whole story. We help self-employed borrowers qualify using bank statements, assets, and real cash flow.
An Overview
Self-employed borrowers often face a frustrating paradox: you earn enough to afford a home, but the deductions that reduce your tax bill also reduce the income lenders see on paper. Our loan officers specialize in Non-QM programs — like bank statement loans and asset depletion loans — that look at your actual cash flow and accumulated wealth rather than just your tax returns.
Common Goals
- Qualify using bank statements instead of tax returns
- Leverage accumulated assets to demonstrate financial capacity
- Access purchase and refinance options
- Finance primary, second home, and investment properties
- Get honest guidance on which program fits your situation
What to Expect
- Bank statement loan qualification (12–24 months)
- Asset depletion qualification for high-net-worth borrowers
- Clear explanation of expense factors and reserves
- Comparison with conventional options where applicable
The Path Forward
Review Your Business Finances
We look at your bank statements, business structure, and overall financial picture.
Identify the Right Program
We determine whether bank statement, asset depletion, or conventional financing fits best.
Qualify and Apply
We guide you through documentation and approval — no tax returns required for Non-QM programs.
Close Your Loan
We streamline closing so you can focus on your business and your new home.
Recommended Programs
ConventionalConventional Loans
A flexible, popular option for buyers with solid credit and a steady down payment.
Learn more
JumboJumbo Loans
Financing above conforming loan limits for higher-priced homes.
Learn more
Non-QMBank Statement Loans
Self-employed borrowers can qualify using bank statements instead of traditional income documentation.
Learn more
Non-QMAsset Depletion Loans
Leverage your accumulated assets to qualify — ideal for borrowers with significant wealth but limited monthly income.
Learn moreSpecialists in This Journey
4.99(176)GoogleZillowKahren Oxner
Founder & CEO
Kahren founded One Eleven Mortgage to provide clients and realtor partners with unmatched options and a personal, boutique experience. With years of experience across conventional, government, and Non-QM lending, she specializes in complex scenarios — investors, self-employed borrowers, and ITIN financing.
Next Step
Ready to Move Forward?
Connect with Kahren who understands this journey and can help you evaluate your options.