Mortgage Solutions for Self-Employed Borrowers in Pennsylvania

Being self-employed shouldn’t mean struggling to get a mortgage. At Innovative Mortgage Brokers, we specialize in helping entrepreneurs, freelancers, and business owners across Pennsylvania qualify for home financing, even when traditional banks say no.

Why Self-Employed Borrowers in PA Choose Us

• Bank Statement Loans (12 or 24 months of deposits)
• P&L-Only Loans (CPA-prepared or self-prepared with documentation)
• Asset-Based Loans for high-net-worth clients
• DSCR Loans for investment properties
• Creative Non-QM Loan Programs

Whether you’re a hairstylist in Doylestown, a contractor in Yardley, or a freelancer in Philadelphia, we’ve got you covered.

Local Expertise in Bucks, Montgomery, and Philadelphia Counties

We know your market because we live here too. That local insight helps us guide self-employed buyers across:

• Doylestown & Newtown – for homeownership and rentals
• Yardley & Warminster – for contractors and small business owners
• Philadelphia – for creatives, consultants, and gig workers

Real Borrower Success Stories

🛠️ Contractor in Bucks County

Challenge: High write-offs, low taxable income
Solution: 12-month business bank statement loan
Result: Home purchase closed in 20 days

“I didn’t think I’d qualify. Yury made it happen with just bank statements. Easiest mortgage I’ve ever done.” – Nick P., Doylestown

💻 Freelancer in Philadelphia

Challenge: 1099 income, no W2
Solution: P&L-only loan with CPA letter
Result: Closed on a condo in Fishtown with no hassle

“My bank said no. Yury said yes, and fast. He actually understands self-employed income.” – Lena M., Philly

FAQs About Self-Employed Mortgages

Can I get a mortgage without showing my tax returns?

Yes. We offer bank statement and P&L loans that don’t require tax returns.

What credit score do I need?

Minimum score is usually 620, depending on the program. However, higher scores can qualify for better terms.

How long do I need to be self-employed?

Most lenders require 2 years, but we have options with 1 year if you’ve been in the same industry.

Can I refinance if I’m self-employed?

Yes. We help many self-employed homeowners refinance, even if they were denied elsewhere.