Self-Employed Loan Programs in Phoenix Az. I Valor Lending Group
If you’re self-employed in Phoenix, you already know—qualifying for a traditional mortgage isn’t always simple.
Whether you’re a business owner, freelancer, or 1099 contractor, your income may not fit the strict guidelines most banks require.
The good news? There are flexible mortgage solutions designed specifically for you
What is a Bank Statement Loan?
A bank statement loan allows you to qualify based on your actual income deposits instead of tax returns.
This program is ideal for:
- Self-employed business owners
- Freelancers and consultants
- 1099 earners
- Real estate investors
In a competitive housing market this type of financing gives you a major advantage.
Benefits of Bank Statement Loans
Choosing this program offers:
No tax returns required
Higher purchasing power
Flexible income qualification
Faster path to homeownership
If you’re self-employed and want to explore your options, expert guidance can make all the difference.
Call me or text me directly 949-887-3728
Get personalized support and find out how much you can qualify for—without relying on tax returns.
1099 or Self Employment Home Loan Highlights
- Up to 90% LTV
- Max Loan Up to $30MM!! (Most lenders cap at $2M-$3M)
- Flexible Guidelines
- 15, 20, 25 & 30 Year Fixed Interest Rates
- 1-4 Units
- Primary, 2nd Home, or Investment Property
- Self Employed or 1099 Contractors
Other Valor Lending Loan Products:
- Hard Money Loans (25-30% down / minimal documentation) Typically Fund in 7-10 days.
- Stated Income Loans (Great for business owners and self employed ) No tax returns!
- 100% financing is available (we can cross collateralize other properties if there is enough equity)
- Valor VA Home Loan 100% financing up to $1.5MM
- Rental Property Loan – No tax returns or DTI calculation! Based on subject property cash flow – No DSCR Coverage needed!
- Flipper & Rehab Loans (Flip a property with one of our many options)
- 2nd Position Loans up to $5mm
- Raw Land & Lot Loans
- Ground up Construction for spec homes, custom homes and commercial ground up.
- Farms, Vineyards, Ranches and Agricultural Properties (25-30% down)
- 10% down Jumbo’s up to $3mm
- Acreage Properties
- Commercial Loans up to $500mm
- 3% & 5% down Conventional Loans
- Foreign Nationals Loans (no social security or residency required)
We Also Offer:
- Conventional Conforming Loans
- High Balance Conforming
- Jumbo Loan Financing | 10% down Jumbo to $1.5mm
- FHA, USDA
- Reverse mortgages up to $1 Million Value
- Cash Out Refinancing
**Rates and terms subject to change without notice
Did we miss anything?
- Call or Email me (Laura Licea) if there is any information that we have missed
- Follow us on Social Media
- Share this on your Social Media
- Do not hesitate to give us your feedback
- Ask us for a quote
- Visit our homepage to check out what Valor Lending Group has to offer
