Navigating a mortgage when you’re self-employed doesn’t have to be difficult. Ryan O’Kane and Arbor Financial Group specialize in helping business owners, freelancers, and independent professionals secure flexible home loan options designed around their unique income structure.
These home loans are designed for entrepreneurs, freelancers, and independent contractors who may not have traditional income documentation. Instead of tax returns, lenders like Ryan O’Kane at Arbor Financial Group use alternative income documentation such as bank statements or profit-and-loss statements to evaluate income and qualify self-employed individuals for home financing.
Instead of relying solely on W-2s or pay stubs, these mortgage loans assess your overall financial profile. Ryan helps you navigate bank statement loan programs and other non-traditional verification options to ensure a smooth application process—providing flexibility and transparency every step of the way.
If you’ve been self-employed for at least two years—or in some cases, one year with a strong history in your field—you may be eligible. Ryan O’Kane works closely with business owners, real estate professionals, freelancers, and gig economy workers to find the right loan solution for their needs.
Depending on the program, Ryan may request 12–24 months of personal or business bank statements, a profit and loss statement, or a CPA letter. His goal is to make documentation as simple and streamlined as possible while still meeting underwriting guidelines.
These loan programs offer flexible income documentation, competitive rates, and access to higher loan amounts. With Ryan’s expert support, self-employed borrowers can avoid the stress of traditional qualifying methods and still access the financing needed to purchase or refinance a home.
Ryan understands the unique challenges self-employed borrowers face. With over 14 years of mortgage experience, he offers personalized guidance, fast approvals, and custom loan options tailored to fit your situation. Arbor Financial Group provides the expertise and tools to help you secure a mortgage with confidence.
When it comes to home loans and mortgage solutions, choosing the right partner can make all the difference. With over 14 years of mortgage experience, Ryan O’Kane brings a track record of trust, transparency, and results. As Chief Mortgage Officer and founding partner of Arbor Financial Group, Ryan is committed to helping borrowers feel informed and confident at every stage of their journey.
At Arbor Financial Group, we combine personalized service with competitive rates, flexible loan options, and the backing of a trusted national lender. Whether you’re a first-time homebuyer, a seasoned investor, or self-employed, Ryan and his team offer tailored strategies designed around your goals—not a one-size-fits-all approach.
With nationwide lending expertise, fast approvals, and a strong commitment to communication, Ryan and Arbor are here to help you move forward—confidently and with clarity.
Navigating home financing when you’re self-employed can be challenging, but Ryan O’Kane and Arbor Financial Group make it simple. With flexible income documentation options like bank statement loans and personalized guidance, we help freelancers, entrepreneurs, and business owners qualify with confidence.
Self-employed home loans are designed for business owners, freelancers, and independent contractors who may not have traditional W-2 income. These loans use alternative documentation—like bank statements or 1099s—to verify income.
Yes. With a self-employed mortgage, you can use bank statements, profit and loss statements, or 1099 forms to qualify. Ryan O’Kane works with lenders who understand the unique income structure of self-employed borrowers.
Depending on the loan type, you may need 12–24 months of bank statements, tax returns, a profit and loss statement, or business licenses. Ryan will guide you through exactly what’s needed to get approved quickly.
They can be slightly more complex, but with Ryan’s expertise and access to flexible lending options, qualifying is absolutely possible. He’ll match you with a lender that works best with non-traditional income.
Yes. Ryan partners with lenders who offer competitive rates on self-employed home loans. Your rate will depend on credit score, income documentation, and overall financial profile.
Self-employed mortgage programs provide more flexible income verification by allowing borrowers to qualify based on actual earnings rather than taxable income. These loans offer higher debt-to-income ratio allowances, alternative financing options, and custom loan structures tailored to non-traditional income earners.
Many self-employed borrowers reduce their taxable income by writing off business expenses. Bank statement loans allow lenders to evaluate deposits rather than net taxable income, ensuring a more accurate assessment of financial health.
Interest rates depend on credit score, loan amount, down payment, and lender policies. Some self-employed mortgages have slightly higher rates than conventional loans due to increased lender risk. However, borrowers with strong financials and a larger down payment can secure competitive rates.
Self-employed mortgage programs require alternative documentation to verify income, including:
Yes! Bank statement loans are one of the most popular self-employed mortgage solutions. Instead of tax returns, lenders analyze monthly deposits over 12 to 24 months to determine a borrower’s income, providing a more accurate financial assessment for business owners and freelancers.
Most self-employed mortgage programs require a credit score of 620 or higher. Borrowers with credit scores of 700+ typically qualify for better interest rates and lower down payment options.
If you have at least 12 months of self-employment history, some lenders may consider your application if you have a strong credit score and financial reserves. However, having two years of self-employment history generally improves eligibility and loan approval chances.
Down payment requirements vary by lender and loan type. Most self-employed mortgages require 10 to 20 percent down, while some programs allow as little as 5 percent for highly qualified borrowers with strong credit and financial reserves.
Yes! If you don’t qualify for a self-employed mortgage, there are alternative financing solutions, including:
FHA loans – If your tax returns meet FHA’s income guidelines, this may be a better option.
Most lenders require at least two years of self-employment history, but some may allow less with strong documentation. Ryan will review your situation and help find the right path forward.
Ryan O’Kane at ARBOR Financial Group delivers personalized mortgage solutions with integrity, fast custom quotes, and competitive rates. Licensed in CA and NV.
