Self-Employed Mortgage Loans in San Jose & Santa Clara County
Getting a mortgage when you're self-employed doesn't have to be complicated. Chris Johnson specializes in alternative income verification loans designed specifically for business owners, freelancers, consultants, and 1099 earners across the Bay Area.
Who this is for
- Business owners
- Independent contractors
- Consultants
- Gig workers
- Real estate professionals
- Anyone whose tax returns don't reflect their actual income
Loan options available
Bank Statement Loans
Qualify using 12–24 months of personal or business bank statements instead of tax returns. Ideal for borrowers whose deposits tell a stronger story than their Schedule C.
1099 Only Loans
Income verified using your 1099s — no full tax return required. A great fit for independent contractors and commission-based earners.
Profit & Loss Loans
A CPA-prepared P&L statement is used in place of traditional income docs. Useful when your business is growing or your books are clean but your returns lag behind.
Asset Depletion Loans
Qualify based on liquid assets rather than monthly income. Designed for borrowers with significant savings, investments, or retirement accounts.
Why it's harder — and how we fix it
Self-employed borrowers often show lower taxable income because of legitimate business write-offs — vehicles, home office, depreciation, equipment, retirement contributions. That's great at tax time, but it can make a traditional W-2-style mortgage look out of reach.
The programs above are built around your actual cash flow — deposits, 1099 income, P&L results, or liquid assets — instead of the bottom line of your tax return. Chris matches you to the program that reflects what you really earn, so you can qualify for the home you can actually afford.
Frequently asked questions
Let's find the right program for you.
A 15-minute conversation usually narrows it down. No pressure, no credit pull.
Talk to Chris About Your Situation