Home Loans Designed for Georgia’s Self-Employed Buyers
Being self-employed in Georgia has its perks—but getting a mortgage isn’t always one of them. Business owners, gig workers, and freelancers across the state often struggle with traditional loan requirements due to fluctuating income or complex tax filings. That’s where Mortgages by Scott steps in. We provide flexible mortgage solutions designed specifically for self-employed borrowers in Georgia.
Why It’s Different for the Self-Employed in Georgia
From Atlanta’s thriving tech and creative scenes to rural small business owners and tradespeople, Georgia has a strong base of independent professionals. But even with a healthy income, it can be hard to qualify for a conventional loan if your finances don’t fit neatly on a W-2.
Our self-employed loan programs are built to work with your actual income—not just what shows up after deductions. We understand how Georgia’s self-employed operate and we’re here to make your path to homeownership clear and achievable.
No matter where you’re buying in Georgia—whether it’s a metro Atlanta condo, a home in Savannah, or a property in the North Georgia mountains—we offer several loan options to meet your needs:
Gathering financial documents as a self-employed borrower can feel overwhelming. We simplify the process and walk you through what you’ll need, including:
1–2 years of tax returns (business and personal)
Profit and loss statements
Business registration or license
12–24 months of bank statements
Asset documentation (if applicable)
Our team ensures your paperwork tells the full story of your income.
We understand Georgia’s real estate landscape—from urban neighborhoods and college towns to lake communities and farm properties.
We’ll help you navigate everything from local insurance needs to market-specific loan considerations that impact self-employed buyers across the state.
