09/22/2026
Self-employed in California and been told you don't qualify?
Your accountant spends every year making your income look as small as legally possible. Then a lender reads that same return and decides you can't afford a house. Both of them are doing their job — the problem is the document, not the borrower.
Bank statements, a profit and loss statement, 1099s or assets can be used to qualify instead of tax returns. Same business, different math.
Follow for more on mortgages for self-employed buyers in California.
Fred Gruber, CMPS · First Rate Financial Group · NMLS #256707 · CA DRE #01455710 · Company NMLS #1777223 · CA DRE #02075839 · Equal Housing Opportunity · This is not a commitment to lend. All loans subject to credit approval, property appraisal and underwriting guidelines.
