FHA 3.5% P&L
Self-Employed FHA Advantage Program
If you’re self-employed, traditional mortgage guidelines can make qualifying feel impossible. Tax write-offs reduce your income on paper, lenders ask for years of returns, and the process becomes frustrating.
Buy a Home with Just a P&L — Only 3.5% Down
Our Self-Employed FHA Advantage Program was designed specifically to solve this.
Now you can qualify using just a 12-month Profit & Loss statement — no tax returns required.
Who This Program Helps
Ideal for:
✅ Self-employed individuals and business owners
✅ Gig workers, 1099 contractors, sole proprietors, and LLC owners
✅ Anyone who has difficulty qualifying with traditional tax-return guidelines
✅ Borrowers who want the lowest down-payment option available
Get The Rate You Deserve
5.375%
Purchase price $1,253,626, loan amount $1,209,750, 3.5% down. 30 Year Fixed – 1.5% Origination – Rates Vary By Credit and subject to change without notice.
PROGRAM REQUIREMENTS AT A GLANCE
Program Highlights
3.50% Down
Minimum Down
580+ FICO
(500 w/10%)Credit Requirement
Up to $1.2M Loan
Max Loan Amount
No Tax Returns
Self Prepared P&L Only
See What You Qualify For
Get Loan Help Fast
Fast response • No pressure • No hard credit check
Built for self-employed borrowers, 1099 earners & investors — even if traditional lenders said no.
Safe & private — we never share your info
For mortgage industry professionals only. Not all applicants will quality. Assets must be veritied. This is not a commitment to lend.
Loan terms, conditions, and guidelines are subject to change without notice. All loans are subject to credit and underwriting approval.