Self-Employed Buyer Solutions
Don't Fit the Traditional Mold?
Good. Neither Do We.
Self-employed? 1099 contractor? Recently relocated? If conventional lenders have turned you away, that doesn't mean homeownership is off the table. We have mortgage solutions built for the way real people actually build wealth.
Why Traditional Lenders Say No
Conventional mortgages rely on W-2 income, two years of tax returns, and a debt-to-income ratio that doesn't reflect how self-employed professionals actually earn. If your income is real but your paperwork doesn't fit — you need a different path, not a different dream.
Self-Employed
Business owners, freelancers, and gig workers with variable income that doesn't show on a W-2.
1099 Contractors
Independent contractors who write off expenses, making taxable income look lower than actual earnings.
Recent Life Changes
Relocation, career pivots, industry changes — life events that disrupt traditional qualifying timelines.
New Business Owners
Less than two years of self-employment history but strong cash flow and bank deposits.
Non-Traditional Loan Options We Offer
Bank Statement Loans
Qualify using 12–24 months of personal or business bank statements instead of tax returns. Ideal for self-employed buyers whose tax deductions reduce their reported income.
- No tax returns required
- Personal or business statements accepted
- Primary residence or investment property
- Loan amounts up to $3M
DSCR Loans
Debt Service Coverage Ratio loans qualify the property — not you. If the rental income covers the mortgage, you can close.
- Property qualifies on its own income
- No personal DTI requirement
- Close in LLC or business entity
- Short-term rental income accepted
Asset-Based & Portfolio Loans
Use liquid assets — savings, investments, retirement accounts — to qualify for a mortgage. Portfolio lenders hold these loans in-house with flexible terms.
- Qualify using assets instead of income
- Flexible underwriting guidelines
- Interest-only options available
- Recent credit events may be considered
How We Get You Approved
Free Consultation
We review your income structure, employment history, and financial picture to identify which loan products fit your situation.
Match You With the Right Lender
We work with lenders who specialize in non-QM products — not the ones who rejected you.
Pre-Qualification & Home Search
Once pre-qualified, our agents help you find the right property across Metro Atlanta while your financing stays on track.
Close With Confidence
Because we coordinate both sides — real estate and lending — there are no surprises at the closing table.
Not Credit Ready? We Can Help.
Your credit score doesn't have to be the reason you can't buy a home. We offer free credit repair services — no gimmicks, no cost. Most clients see real progress within 60–90 days.
Start Your Free Credit RepairEstimate Your Monthly Payment
Adjust the numbers below to see what homeownership could look like for you.
Total Monthly Payment
$3,061.76
Payment Breakdown
This is an estimate. Actual rates and costs vary. Talk to a lender for exact numbers.
Want Real Numbers? Get Pre-Qualified in Minutes.
Stop guessing. A soft credit pull gives you a real pre-qualification number without affecting your credit score. Takes about 3 minutes. No commitment required.
Prefer to talk first? Call or text (404) 993-1500
Pre-qualification is not a commitment to lend. One Real Mortgage is a separate entity from Fresh Vision Realty. NMLS #251208.
What Atlanta Buyers Are Saying
Real stories from real families across Metro Atlanta.
"Fresh Vision walked us through every step. We closed in 32 days as first-time buyers."
Jasmine T.
Gwinnett County
"I was self-employed and every lender turned me down. Fresh Vision found a way."
Marcus D.
Cobb County
"They sold our home and found us our next one. One team, zero stress."
The Williams Family
Henry County
Frequently Asked Questions
Let's Find the Right Loan for You
"I'd been turned down three times. Fresh Vision connected me with a bank statement loan and I closed on my first home in Gwinnett County within 45 days."
— Self-Employed Buyer
Free consultation — no obligation
We match you with the right lender
Response within 24 hours
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