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If you’re self-employed in Virginia, securing a mortgage might feel like an uphill climb—but it doesn’t have to be. Traditional lenders often overlook the financial realities of business owners, freelancers, and contractors. At Mortgages by Scott, we offer mortgage options built specifically for Virginia’s self-employed professionals, helping you qualify based on the full picture—not just your tax returns.
Virginia’s economy is filled with independent earners—tech consultants in Northern Virginia, creatives in Richmond, contractors in the Shenandoah Valley, and entrepreneurs across the state. But self-employment often means variable income, tax write-offs, and a financial profile that doesn’t check all the boxes for conventional mortgage approval.
We understand how to work with non-traditional income and have access to programs designed to serve Virginia’s self-employed borrowers.
These loans allow you to use bank statements in place of tax returns—ideal if you write off expenses that reduce your reportable income.
If you’ve built up savings or investments, you can use those assets to help qualify, even if your monthly income fluctuates.
Non-qualified mortgages offer flexibility for borrowers with high debt ratios, inconsistent income, or credit challenges.
Self-employed borrowers typically need more documentation to get approved. We simplify the process and help you collect everything you need:
Our team walks you through it all, helping ensure your file is complete and accurate before it goes to underwriting.
From bustling metros like Alexandria and Virginia Beach to quieter areas like Lynchburg and the Blue Ridge region, we understand Virginia’s real estate landscape. We’ll help you navigate local taxes, insurance considerations, and regional lending guidelines—so you can move forward confidently, wherever you’re buying.
We’ll help you get pre-approved and explore all your options.
Looking for something else? Explore our full suite of home loans:
