FAQ
Can I get a mortgage if I am self-employed?
Yes. Self-employed Utah borrowers qualify with two years of tax returns, bank-statement loans, or asset-based programs. We specialize in alternative-income files.
By Tres Miller · Mortgage Banker · NMLS #217768
Reviewed June 22, 2026 · 31+ years lending in Utah
Quick Answer
Yes. Self-employed Utah borrowers qualify with two years of tax returns, bank-statement loans, or asset-based programs. We specialize in alternative-income files.
Detailed answer
Traditional underwriting uses net income after deductions, which often understates true income. We offer bank-statement loans (12–24 months), 1099-only programs, P&L-only options, and asset-depletion loans designed for self-employed borrowers.
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