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If you’re self-employed in Arkansas, securing a mortgage can feel like an uphill climb. Fluctuating income, complex documentation, and non-traditional tax filings can make it tough to qualify with conventional lenders. At Mortgages by Scott, we understand the unique needs of entrepreneurs, freelancers, and small business owners. We’re here to provide self-employed mortgage options tailored to your financial profile—making the process as smooth as possible.
Arkansas is home to a growing number of small businesses, independent contractors, and gig workers. Unlike W-2 employees, self-employed borrowers often report lower taxable income due to deductions and write-offs. That’s where we come in. With a variety of mortgage products designed for business owners, we take a personalized approach to help you qualify—without the traditional roadblocks.
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.
Getting approved for a mortgage in Arkansas while self-employed can require extra paperwork. We’ll help you organize the necessary documents, such as:
Our team walks you through it all, helping ensure your file is complete and accurate before it goes to underwriting.
Whether you’re buying in Little Rock, Fayetteville, Hot Springs, or a quiet rural town in the Ozarks, we understand Arkansas’ housing market and lending landscape. We’ll match you with the best self-employed mortgage program for your situation—backed by personalized service and local knowledge.
We’ll help you get pre-approved and explore all your options.
Looking for something else? Explore our full suite of home loans:
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