8465 Old Redwood Hwy Suite 410, Windsor, CA 95492

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(707) 483-5860

Self-Employed Mortgages & Refinancing in Sonoma County, CA

You built your business. Now let’s build your future. Amanda Hagar at Your Lender for Life specializes in home loans for self-employed borrowers in Windsor, Healdsburg, Santa Rosa, and across Sonoma County.

Getting a mortgage when you’re self-employed
just got easier

Traditional lenders often struggle with self-employed income documentation. Tax returns that show deductions, fluctuating monthly revenue, and multiple income streams can make W-2-based underwriting a poor fit for entrepreneurs and business owners.

Amanda Hagar has spent years helping self-employed borrowers in Sonoma County navigate these challenges, matching clients with loan programs that reflect their real financial picture.

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Bank statement loans

Qualify using 12 or 24 months of personal or business bank statements instead of tax returns

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1099 and profit & loss programs

Loan options built around contractor income and CPA-prepared P&L statements

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Asset-based lending

Use verified assets to demonstrate repayment ability when income documentation is complex

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Conventional with 2-year history

Qualify for traditional financing when you have a two-year self-employment track record

Loan programs for self-employed borrowers

Every business owner’s financial situation is different. Here are some of the programs available through Your Lender for Life:

Bank statement loans

12 or 24 months of deposits used in place of tax returns. Ideal for borrowers with high write-offs.

Conventional loans

For self-employed borrowers with 2 years of filed returns showing sufficient qualifying income.

FHA loans

Lower down payment options for self-employed buyers who meet income and credit guidelines.

Jumbo loans

Financing for higher-priced Sonoma County properties, including non-QM jumbo options for complex income.

Refinancing

Rate-and-term or cash-out refinancing using self-employment documentation programs.

Investment properties

DSCR and other investor loan options for rental income properties in Sonoma County.

What documents will I need?

Documentation varies by loan program, but typically includes some combination of the following:

  • 12 or 24 months of personal or business bank statements
  • Two years of personal federal tax returns (conventional programs)
  • Business license or proof of business ownership
  • CPA-prepared profit and loss statement
  • 1099s (for contractor or freelance income)
  • Current credit report
  • Proof of assets and reserves

Amanda will walk you through exactly what’s needed based on your income type and chosen loan program.

Frequently Asked Questions

Can I get a mortgage if my tax returns show a loss?
Possibly, yes. Bank statement loan programs use your actual deposits rather than taxable income, making them a strong option for business owners with significant deductions.
How long do I need to be self-employed to qualify?
Most programs require a minimum of two years of self-employment history. Some non-QM programs may have different requirements depending on your business type and documentation.
Do self-employed borrowers pay higher rates?
Rates vary by loan program and your overall financial profile. Non-QM programs like bank statement loans may carry slightly higher rates than conventional loans, but for many borrowers they are still the most practical path to homeownership.
Can I refinance if I'm self-employed?
Yes. The same programs available for purchases can often be used for refinancing. Amanda can review your current loan and income documentation to find the best refinancing path.

Serving self-employed borrowers throughout Sonoma County

Your Lender for Life is based in Windsor, CA and serves borrowers across Sonoma County including:

Windsor • Santa Rosa • Healdsburg • Petaluma • Rohnert Park
Sebastopol • Cotati • Cloverdale • Guerneville • Sonoma

Ready to talk about your home loan options?

Amanda Hagar is ready to help you find the right mortgage program for your situation. Consultations are always free.

Call (707) 483-5860