North Carolina

Self-Employed Mortgage Options in North Carolina

Tailored Mortgage Solutions for North Carolina’s Self-Employed Professionals

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.

Why It’s Different for the Self-Employed in North Carolina

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.

Flexible Mortgage Options Available

We help buyers across North Carolina—from the Research Triangle to the coastal plains and mountain towns—qualify for mortgages using flexible and smart solutions like:

Bank Statement Loans

Perfect for small business owners and freelancers, these loans use your monthly deposits to show income—no tax returns required.

Asset Utilization Loans

Got significant savings or investments? Use your assets as income for qualification, even if your monthly income is unpredictable.

Non-QM Loans

These loans are built for borrowers who don’t fit inside conventional guidelines due to unique income, higher debt ratios, or credit history.

Documentation Help—Start to Finish

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.

Why Choose Mortgages by Scott

Local Market Insight from a Charlotte-Based Broker

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.

Ready to Take the First Step?

We’ll help you get pre-approved and explore all your options.

More Mortgage Solutions

Looking for something else? Explore our full suite of home loans: