Self EmployedMortgages Made Easywith Equitable Lending
Your premier direct mortgage lender offering tailored solutions in Mortgage Purchase Loans, Refinance Loans, Reverse Mortgages, 2nd Loans, and HELOCs.
We specialize in various loan types including FHA, VA, and Conventional Loans. Mortgages made easy!
Why Choose Us for Self-Employed Loans?
"We understand the unique challenges self-employed individuals face when securing financing."
Specialized Loan Programs
Comprehensive Mortgage Solutions
Tailored financing options for every situation, especially designed for self-employed professionals and investors
Mortgage Purchase Loans
Easily secure your dream home
Refinance Loans
Lower your current mortgage rate
Reverse Mortgages
Access your home equity
2nd Loans & HELOCs
Flexible financing options
FHA & VA Loans
Government-backed options
And More!
We're here to help!
About Self Employed & Alternative Doc Mortgage Loans
Stated income and lite documentation (lite doc) loans are designed for self-employed individuals, real estate investors, or anyone with income that's hard to verify through traditional means. These programs bypass full tax returns and instead use alternative forms of income verification.
Ready to explore your financing options?
Common Documentation Options:
Profit & Loss Statement (P&L)
A snapshot of your business's income and expenses, often prepared by you or your CPA, used in place of tax returns.
Bank Statement Program
Uses 12–24 months of personal or business bank statements to calculate average monthly income based on deposits.
VOE Only (Verification of Employment)
Confirms your employment and income directly with your employer—no pay stubs or tax returns required.
Stated Income (True No Doc)
In select cases, you state your income without providing documentation. Typically reserved for borrowers with strong credit and substantial down payments.
DSCR Loans (No-Income Investor Loans)
For real estate investors—no personal income verification needed. Loan approval is based on rental income vs. the property's expenses (Debt Service Coverage Ratio).
Perfect for: Entrepreneurs, gig workers, real estate investors, and others with non-traditional income who need an easier path to financing.
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What Our Clients Think
Real stories from real clients who achieved their homeownership dreams with our help
"Equitable Lending exceeded my expectations! Their expertise in navigating the mortgage process made securing my loan a breeze. I felt supported from start to finish!"
"I am extremely satisfied with the refinancing service I received from Equitable Lending. They helped me save money, and their customer service was top-notch!"
"I highly recommend Equitable Lending for any mortgage needs. Their diverse loan offerings made it easy for me to find the perfect loan for my situation."
Ready to Join Our Happy Clients?
Experience the same exceptional service and expertise that our clients rave about
Benefits of Working with Us
Experience the difference with our comprehensive approach to mortgage lending
Competitive Rates
We offer some of the most competitive rates in the market for all your lending needs.
Personalized Service
Our dedicated team customizes solutions to suit your specific financial needs.
Fast Approvals
We ensure rapid processing for quick approvals and efficient closing.
Diverse Loan Options
We provide a comprehensive range of loan solutions including FHA, Jumbo, and Non-QM Loans.
Secure & Transparent
Enjoy peace of mind with our trustworthy lending practices and full transparency throughout the process.
Top-tier Customer Support
Our support specialists are dedicated to ensuring your satisfaction every step of the way.
Ready to Experience These Benefits?
Join thousands of satisfied clients who have achieved their homeownership dreams with our help