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Self-employment gives you freedom and flexibility—but when it comes to buying a home in South Carolina, it can also bring extra hurdles. Traditional mortgage lenders often don’t know how to assess self-employed income properly, leaving hardworking business owners and contractors underserved. At Mortgages by Scott, we offer custom mortgage options for South Carolina’s self-employed borrowers—so you can qualify without the usual red tape.
South Carolina is home to a growing number of independent professionals—from Charleston’s creative entrepreneurs to Myrtle Beach vacation rental managers, and contractors in Columbia. But many of these buyers find that conventional mortgage guidelines don’t reflect the way they actually earn or report income.
That’s where we come in. We understand the seasonal swings, tax strategies, and documentation needs that come with self-employment in South Carolina—and we offer loan programs that match.
If your tax returns don’t reflect your true income, bank statement loans allow you to qualify using your deposits instead of your reported income.
Use liquid assets like savings, investments, or retirement accounts to qualify—perfect for those with strong reserves but non-traditional income streams.
For those who fall outside conventional guidelines, Non-QM loans offer flexibility around credit history, debt ratios, and income documentation.
The mortgage process doesn’t have to be overwhelming. We work with you to make sure your file is solid from day one, guiding you through the documentation process. That typically includes:
We’re here to keep the process on track and stress-free.
From fast-growing suburbs like Fort Mill and Summerville to coastal communities and rural properties, we understand what it takes to get self-employed borrowers qualified in South Carolina. We’re familiar with local tax rates, property insurance trends, and what lenders want to see—so you can move forward with clarity and confidence.
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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