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If you’re self-employed in New Hampshire, qualifying for a mortgage may look a little different than it does for a traditional W-2 employee. Business owners, independent contractors, and freelancers throughout the state often find that conventional loan requirements don’t reflect how they actually earn and manage their income. At Mortgages by Scott, we provide mortgage options built specifically for the self-employed—backed by decades of experience and a personalized approach.
New Hampshire’s economy is filled with entrepreneurs and independent workers—from tech consultants in Manchester to tradespeople in Concord and artists along the Seacoast. But the way self-employed professionals report income—often using deductions and write-offs—can make it tough to qualify for a traditional loan on paper.
We understand these challenges and offer alternative lending options designed to look beyond just your tax return and instead focus on your real financial capacity.
Use 12–24 months of business or personal bank statements instead of tax returns to demonstrate income. Ideal for business owners with healthy cash flow but limited reportable income.
Leverage your savings, investment accounts, or retirement assets to qualify. Great for those with strong financial reserves but variable income.
For those who don’t meet conventional lending standards, Non-QM (non-qualified mortgage) loans offer more flexible underwriting criteria, including higher debt-to-income ratios or alternative documentation.
Self-employed mortgage applications can come with more paperwork—but we make it manageable. We’ll walk you through everything you’ll need, such as:
Our process is designed to keep things organized and reduce delays.
Buying a home in New Hampshire means understanding local variables—like seasonal fluctuations in income, rural property guidelines, or the nuances of working across state lines in places like Nashua or Salem. We help self-employed buyers navigate these details while offering financing that fits their income structure and their goals.
We’ll help you get pre-approved and explore all your options.
Looking for something else? Explore our full suite of home loans:
