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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.
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.
Use your bank deposits, not your tax returns, to qualify. This is a great fit for business owners who have strong income but write off many expenses.
If your income varies but you have savings or investments, you can use those assets to help you qualify—without relying solely on income statements.
These loans are for borrowers who need more flexibility. Great for those with a high debt-to-income ratio or inconsistent income reporting.
Gathering financial documents as a self-employed borrower can feel overwhelming. We simplify the process and walk you through what you’ll need, including:
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.
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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