Self-Employed Mortgage Options in Indiana

Helping Indiana’s Self-Employed Buyers Secure the Right Home Loan

If you’re self-employed in Indiana, getting approved for a mortgage may feel more complicated than it should. With income that doesn’t always follow a traditional paystub model, freelancers, small business owners, and independent contractors often face added scrutiny during the mortgage process. At Mortgages by Scott, we offer tailored loan solutions built specifically for self-employed Hoosiers—so you can qualify based on your real financial picture.

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Self-Employed & Investors

Why It’s Different for the Self-Employed in Indiana

Indiana has a diverse self-employed workforce—from Indianapolis tech entrepreneurs and consultants to tradespeople and farm owners throughout the state. But regardless of industry, one thing is true: standard mortgage guidelines don’t always reflect how self-employed people earn, save, or report income.

That’s where we step in. We help self-employed borrowers qualify using options that better align with their unique situations, offering a smarter approach to home financing across Indiana.

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Flexible Mortgage Options Available

Whether you’re buying a home in Carmel, Fort Wayne, Evansville, or a quieter rural area, we provide mortgage solutions that make homeownership accessible for Indiana’s self-employed buyers:

Solutions for Entrepreneurs

Smart financing for entrepreneurial income.

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Jumbo & Luxury Financing

High-value home loans with flexible guidelines for established earners.

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30-Year Fixed Mortgage

Stable payments with long-term predictability and competitive rates.

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Adjustable-Rate Mortgage

Lower initial rates with flexibility for short- to mid-term homeowners.

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FHA Mortgage Financing

Accessible homeownership with lower down payment options.

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$0 Down Mortgage Programs

Purchase with little to no upfront cash for qualified buyers.

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USDA Rural Financing

Affordable home loans for eligible rural and suburban properties.

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VA Mortgage Home Loans

Exclusive benefits for veterans and active-duty service members.

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DSCR Loans for Investors

Qualify for financing using the property's income, not your personal income.

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1099 Mortgage Options

Flexible mortgage options designed for self-employed and 1099 earners.

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Bank Statement Loans

Qualify for financing using the property's income, not your personal income.

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Documentation Help—Start to Finish

Self-employed borrowers in Indiana often need to provide more documentation than traditional applicants. We’ll guide you through it and help you stay organized from the start, typically including:

Business and personal tax returns
Year-to-date P&L statements
12–24 months of bank statements
Business licenses or articles of incorporation
Retirement or investment account statements (if applicable)

We’ll ensure the underwriting process goes as smoothly as possible.

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Why Choose Mortgages by Scott

Extensive experience serving self-employed homebuyers in Indiana
Access to traditional and non-traditional mortgage programs
Digital tools like our MyHomeLoan app to track your loan process
Personalized service from an experienced, licensed mortgage professional

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Local Experience. Statewide Support

Indiana’s housing market varies by region—from competitive suburban markets near Indianapolis to more relaxed, affordable areas in southern Indiana.

We understand the nuances of property taxes, zoning, and insurance requirements across the state. No matter where you’re buying, our mortgage strategies are built for your local reality.

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Self-Employed Jumbo & Luxury Investors About Reviews Contact

Scott Hastings, NMLS #926762
Arbor Financial, NMLS #236669

Licensed in NC, SC, FL, GA, VA, AR, IN, NH, MD, MT, NV

Equal Housing Lender. All loans subject to credit and property approval.