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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.
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.
Qualify based on personal or business bank deposits instead of tax returns. A popular choice for business owners who keep solid cash flow but claim lower taxable income.
These allow you to use investment accounts or savings as qualifying income—great for semi-retired professionals, investors, or anyone with irregular earnings.
Non-qualified mortgages are flexible home loan options for borrowers who don’t meet traditional underwriting guidelines. These are ideal for those with inconsistent income, high DTI, or recent credit events.
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:
We’ll ensure the underwriting process goes as smoothly as possible.
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.
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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