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North Carolina has become a hub for entrepreneurs, freelancers, and small business owners—but for many self-employed buyers, the mortgage process is anything but straightforward. At Mortgages by Scott, we specialize in helping self-employed individuals across NC qualify for home loans without the roadblocks that come with traditional lending.
Whether you’re a tech founder in Charlotte, a creative professional in Asheville, or a contractor in Raleigh, being self-employed gives you freedom—but it can also complicate the mortgage process. Deductions, seasonal income, or fluctuating revenue streams often make it difficult to qualify through conventional channels.
We provide loan options built around your financial reality, not just your tax forms. With years of experience working with North Carolina buyers, we understand what it takes to help you secure financing that makes sense.
Perfect for small business owners and freelancers, these loans use your monthly deposits to show income—no tax returns required.
Got significant savings or investments? Use your assets as income for qualification, even if your monthly income is unpredictable.
These loans are built for borrowers who don’t fit inside conventional guidelines due to unique income, higher debt ratios, or credit history.
Applying for a mortgage as a self-employed buyer often means collecting extra documentation. We’ll guide you every step of the way to help streamline what you’ll need, including:
We’re here to simplify the process and get it done right.
With deep roots in Charlotte and a license to serve buyers statewide, we know the ins and outs of North Carolina’s real estate market. From fast-growing suburbs and college towns to rural properties and resort areas, we help you navigate local lending conditions while offering programs that match your income structure.
We’ll help you get pre-approved and explore all your options.
Looking for something else? Explore our full suite of home loans:
