Self-Employed Mortgage Loans: How to Qualify When You Work for Yourself Self-employed borrowers can qualify for the same mortgage programs available to W-2 employees — the difference is how income is documented and calculated, not whether homeownership is possible. Quick Answer: Self-employed borrowers typically qualify for a mortgage using two years of [...]
Mortgage Pre-Approval in California: Why It Matters Before You Shop A mortgage pre-approval in California is a lender’s written determination — based on verified income, credit, assets, and debt — of the loan amount and programs a buyer qualifies for before making an offer on a home. Quick Answer: A mortgage pre-approval [...]
Self-Employed Mortgage: How to Qualify in California (2026) Self-employed borrowers can qualify for a mortgage using the same loan programs available to W-2 employees — the key difference is how income is calculated and documented. Quick Answer: Self-employed borrowers qualify for mortgages based on taxable income shown on two years of tax returns, [...]
USLENDING COMPANY, 2280 BECHELLI LANE, REDDING, CA, 96002 (530) 244-6830
NMLS #129988 | LICENSED IN AR, AZ, CA, CO, FL, GA, HI, ID, KY, MT, NV, OR, SC, TN, TX, WA
OPERATES UNDER US LENDING COMPANY IN AR, CA, CO, FL, HI, KY, MT, OR, TN, TX, WA.
OPERATES UNDER AMERICAN PACIFIC MORTGAGE IN AZ, ID, NV, SC – BK 0906702.
LICENSED UNDER THE OREGON CONSUMER FINANCE ACT.
Licensed by the Dept of Financial Protection and Innovation under the CRMLA.
Not Available in New York.
TEXAS MORTGAGE BANKER DISCLOSURE CONSUMERS WISHING TO FILE A COMPLAINT AGAINST A MORTGAGE BANKER OR A LICENSED MORTGAGE BANKER RESIDENTIAL MORTGAGE LOAN ORIGINATOR SHOULD COMPLETE AND SEND A COMPLAINT FORM TO THE TEXAS DEPARTMENT OF SAVINGS AND MORTGAGE LENDING, 2601 NORTH LAMAR, SUITE 201, AUSTIN, TEXAS 78705. COMPLAINT FORMS AND INSTRUCTIONS MAY BE OBTAINED FROM THE DEPARTMENT’S WEBSITE AT WWW.SML.TEXAS.GOV. A TOLL-FREE CONSUMER HOTLINE IS AVAILABLE AT 1-877-276-5550. THE DEPARTMENT MAINTAINS A RECOVERY FUND TO MAKE PAYMENTS OF CERTAIN ACTUAL OUT OF POCKET DAMAGES SUSTAINED BY BORROWERS CAUSED BY ACTS OF LICENSED MORTGAGE BANKER RESIDENTIAL MORTGAGE LOAN ORIGINATORS. A WRITTEN APPLICATION FOR REIMBURSEMENT FROM THE RECOVERY FUND MUST BE FILED WITH AND INVESTIGATED BY THE DEPARTMENT PRIOR TO THE PAYMENT OF A CLAIM. FOR MORE INFORMATION ABOUT THE RECOVERY FUND, PLEASE CONSULT THE DEPARTMENT’S WEBSITE AT WWW.SML.TEXAS.GOV.
© 2026 American Pacific Mortgage Corporation. All rights reserved. This material is provided for informational purposes only and is not guaranteed to be accurate or complete. The programs described may not include all available options or pricing structures. Rates, terms, programs, and underwriting policies are subject to change without notice. Refinancing may result in higher total finance charges over the life of the loan. This is not an offer to extend credit or a commitment to lend. All loans are subject to underwriting approval. Certain products may not be available in all states, and restrictions may apply. Please consult your loan advisor for complete details. Equal Housing Opportunity. www.apmortgage.com/
NOTE: Refinancing may result in finance charges that may be higher over the life of the loan. Consult with your loan advisor for details.
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