Traditional lenders look at W-2s and walk away from business owners. We use bank statements, 1099s, and alternative documentation to get self-employed borrowers to the closing table.
Whether you're a freelancer, contractor, business owner, or commission-based earner — we have a documentation path that works for your income type.
Most banks treat self-employment as a liability. We treat it as what it is — proof you built something.
| What We Look At | Traditional Bank | Zentra Mortgage |
|---|---|---|
| Bank statement income | Not accepted | Accepted (12 or 24 mo) |
| 1099 / contract income | Rarely accepted | Fully accepted |
| Seasonal income fluctuations | Penalized | Averaged and accepted |
| Tax write-offs reducing income | Counts against you | We work around it |
| Business operating less than 2 years | Usually declined | Case-by-case review |
Tell us how you earn. We'll find a documentation path that works.