Mortgages for Self-Employed & Business Owners
Running a business means freedom, flexibility, and control. But it also means that your income doesn’t always look the way conventional lenders want it to.
At Insignia Mortgage, we work with self-employed borrowers and business owners every day. That means variable income, write-offs, and multiple revenue streams aren’t treated as liabilities. They’re understood, planned for, and structured correctly from the start.
Self-Employed Challenges We Solve
Many business owners come to Insignia after hitting a wall with conventional lenders. If lenders are telling you:
It is usually a sign that you’re working with the wrong lender.
At Insignia, we understand that business income often looks different on paper.
Legitimate write-offs reduce taxable income. Cash flow can vary month to month. Revenue may come from multiple businesses or through K-1s, 1099s, or owner distributions, not pay stubs.
These aren’t signs of financial instability. It’s simply how your business operates. And that’s exactly the kind of complexity we’re built to handle.
The Insignia Difference: We Understand How Investor Wealth Actually Works
Traditional lenders rely on rigid formulas built around W-2s and predictable paychecks. That’s not how we work.
We Look Beyond the Tax Return
Write-offs and deductions don’t mean your business isn’t profitable. We evaluate cash flow, distributions, and overall financial strength, not just what fits into a single line on a form.
We Anticipate Underwriting Questions
Self-employed files raise predictable questions. We know what lenders will ask about income stability, business history, and documentation. And we prepare for it upfront to avoid delays later.
We’re Comfortable With Variable Income
Fluctuating income doesn’t equal risk. We work with lenders who understand how businesses grow, scale, and reinvest.
We Keep the Process Organized
Instead of piecemeal document requests and shifting requirements, there’s a clear plan and a single point of contact. The process stays structured, predictable, and efficient.
Loan Options for Self-Employed & Business Owners
Your income may be complex, but your financing doesn’t have to be.
We help business owners access loan programs designed for non-traditional income and real-world cash flow. Here’s what we offer:
Jumbo Loans
We help business owners secure jumbo loans when income doesn’t follow a standard W-2 pattern, focusing on competitive terms and a process that doesn’t break down when documentation gets complex.
Specialized Financing
From bank-statement loans to alternative documentation programs, we structure financing around real earnings so qualified business owners aren’t sidelined by rigid rules.
Investment Property Loans
From single-property purchases to portfolios under $20M, we help clients access investment property loans through lenders who understand cash flow, timing, and long-term goals.
How We Take You From Consultation to Close
Application & Analysis
We start by reviewing how you actually earn. That includes business income, cash flow, distributions, write-offs, and assets. Not just what appears on a W-2 or a single tax return.
The goal is to understand your full financial picture and structure a loan that reflects how your business really operates.
Pre-Approval
Our pre-approvals carry weight because we verify the details up front. Income documentation, business history, and cash flow are addressed early, not pushed to the back end.
When you make an offer, sellers and agents know you are ready to close and not waiting on underwriters to sort things out.
Loan Approval
Self-employed loans raise predictable questions. We anticipate them and keep your file moving so approvals don’t stall. In many cases, approvals come back in as little as 5–7 business days.
Closing
We coordinate directly with all parties and manage the details behind the scenes. The result? A controlled, efficient close without last-minute surprises.
Frequently Asked Questions
What Client Say About Us
Our Team
Our brokers rank among the top 50 in the nation. They’re the people who cut through the red tape and open doors to niche lenders. But what matters more is what that means for you—speed, clarity, hands-on support, and a confident close.
Damon Germanides
Co-founder / Broker
Chris Furie
Co-founder / Broker
Neil Patel, CPA
Principal / Head of Sales
Julie Flatland
Head of Underwriting & Operations Manager
Michael Nassirzadeh
Broker Associate/Senior Commercial Loan Analyst
Noah Furie
Capital Markets
Jonathan Bulaon
Loan Originator
Todd William Harris
Head of Construction Lending & Broker Associate
Patrick Mckenna
Broker Associate
Romy Nourafchan
Broker Associate
Scott T. Sealey
Senior Loan Originator/First-Time Home Buyer Expert
Nick Van Dueck
Donabel Aguila
Loan Set Up
Richard Cadiente
Senior Processor
Jesebel Da Sagun
Senior Underwriter
Rhonda Ramirez
Loan Officer Assistant/Senior Processor
James DeBeck
IT Management
Euereze Tabar
Accounting
Why Clients
Choose Insignia
Market Commentary & Insights
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