Self-Employed Mortgage Options in Virginia

Helping Virginia’s Self-Employed Buyers Move Forward with Confidence

If you’re self-employed in Virginia, securing a mortgage might feel like an uphill climb—but it doesn’t have to be. Traditional lenders often overlook the financial realities of business owners, freelancers, and contractors. At Mortgages by Scott, we offer mortgage options built specifically for Virginia’s self-employed professionals, helping you qualify based on the full picture—not just your tax returns.

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Verified Advisor

20+ Years Serving

Self-Employed & Investors

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

Virginia’s economy is filled with independent earners—tech consultants in Northern Virginia, creatives in Richmond, contractors in the Shenandoah Valley, and entrepreneurs across the state. But self-employment often means variable income, tax write-offs, and a financial profile that doesn’t check all the boxes for conventional mortgage approval.

We understand how to work with non-traditional income and have access to programs designed to serve Virginia’s self-employed borrowers.

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Flexible Mortgage Options Available

Whether you're purchasing a home in Arlington, Norfolk, Roanoke, or a small town in between, our self-employed mortgage solutions give you options:

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 typically need more documentation to get approved. We simplify the process and help you collect everything you need:

1–2 years of business and personal tax returns
Year-to-date profit and loss statements
Business licenses or entity paperwork
12–24 months of bank statements
Asset or investment account documentation (if applicable)

Our team walks you through it all, helping ensure your file is complete and accurate before it goes to underwriting.

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Why Choose Mortgages by Scott

Licensed to serve all of Virginia
Over 20 years of experience with self-employed mortgage borrowers
Access to both conventional and portfolio loan options
Easy, mobile-friendly application process via the MyHomeLoan app

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Local Knowledge for the Virginia Market

From bustling metros like Alexandria and Virginia Beach to quieter areas like Lynchburg and the Blue Ridge region, we understand Virginia’s real estate landscape.

We’ll help you navigate local taxes, insurance considerations, and regional lending guidelines—so you can move forward confidently, wherever you’re buying.

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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.