{"id":5052,"date":"2023-11-17T08:36:00","date_gmt":"2023-11-17T08:36:00","guid":{"rendered":"https:\/\/thewealthcircle.com\/?p=5052"},"modified":"2023-11-17T08:57:07","modified_gmt":"2023-11-17T08:57:07","slug":"15-best-mortgage-lenders-for-self-employed-in-2021","status":"publish","type":"post","link":"https:\/\/kiiky.com\/wealth\/15-best-mortgage-lenders-for-self-employed-in-2021\/","title":{"rendered":"15 Best Mortgage Lenders For Self Employed | Updated","gt_translate_keys":[{"key":"rendered","format":"text"}]},"content":{"rendered":"\n<p>If you are self-employed and are wondering if you can get a mortgage to buy a home, then today is your lucky day because there are some mortgage lenders that approve applications from self-employed people.<\/p>\n\n\n\n<p>Although you may need to be a lot more transparent with your income to get the mortgage, it&#8217;s still worth it, and very much possible.<\/p>\n\n\n\n<p>More so,  being self-employed makes the mortgage application process a bit difficult. Because lenders regularly request proof of income and it could be hard if you don&#8217;t have a paycheck or W2. <\/p>\n\n\n\n<p>Additionally, the rules of getting a house mortgage have become tighter for the self employed. So you would want to do everything possible to ensure you get approved for a loan. <\/p>\n\n\n\n<p>We have seen this problem and decided to provide solutions by compiling a list of the best mortgage lenders for the self-employed, as well as their requirements, and factors you should consider before applying to the financial institution.<\/p>\n\n\n\n<p>Continue reading to discover them but first, here&#8217;s a table of contents to easily navigate through the article. <\/p>\n\n\n\n<nav class=\"wp-block-stackable-table-of-contents stk-block-table-of-contents stk-block stk-f12e502\" data-block-id=\"f12e502\"><ul class=\"stk-table-of-contents__table\"><li><a href=\"#h-what-are-mortgage-lenders-looking-for\">What Are Mortgage Lenders Looking For?<\/a><ul><li><a href=\"#h-what-you-should-look-out-for\">What You Should Look Out For<\/a><\/li><\/ul><\/li><li><a href=\"#h-tips-on-how-to-get-a-mortgage\">Tips on How To Get a Mortgage<\/a><ul><li><a href=\"#h-1-fill-the-right-paperwork\">#1. Fill the right paperwork<\/a><\/li><li><a href=\"#h-2-improve-your-credit-score\">#2. Improve your credit score<\/a><\/li><li><a href=\"#h-3-give-a-large-down-payment\">#3. Give a large down payment<\/a><\/li><li><a href=\"#h-4-have-a-solid-self-employment-history\">#4. Have a solid self-employment history<\/a><\/li><li><a href=\"#h-5-look-attractive-to-your-mortgage-lender\">#5. Look attractive to your mortgage lender<\/a><\/li><\/ul><\/li><li><a href=\"#h-who-are-the-best-mortgage-lenders-for-self-employed\">Who Are The Best Mortgage Lenders for Self employed?<\/a><ul><li><a href=\"#h-1-guaranteed-rate\">#1. Guaranteed Rate<\/a><\/li><li><a href=\"#h-2-first-national-bank\">#2. First National Bank<\/a><\/li><li><a href=\"#h-3-luxury-mortgage\">#3. Luxury Mortgage<\/a><\/li><li><a href=\"#h-4-homelight-home-loans-eave\">#4. HomeLight Home Loans (Eave)<\/a><\/li><li><a href=\"#h-5-freedom-mortgage\">#5. Freedom Mortgage<\/a><\/li><li><a href=\"#h-6-quicken-loans\">#6. Quicken Loans<\/a><\/li><li><a href=\"#h-7-flagstar-bank\">#7. Flagstar Bank<\/a><\/li><li><a href=\"#h-8-citadel-servicing\">#8. Citadel Servicing<\/a><\/li><li><a href=\"#h-9-better-mortgage-corporation\">#9. Better Mortgage Corporation<\/a><\/li><li><a href=\"#h-10-pennymac-loan-services\">#10. PennyMac Loan Services<\/a><\/li><li><a href=\"#h-11-angel-oak-mortgages\">#11. Angel Oak Mortgages<\/a><\/li><li><a href=\"#h-12-carrington-mortgage\">#12. Carrington Mortgage<\/a><\/li><li><a href=\"#h-13-new-american-funding\">#13. New American Funding<\/a><\/li><li><a href=\"#h-14-athas-capital-group\">#14. Athas Capital Group<\/a><\/li><li><a href=\"#h-15-u-s-bank\">#15. U.S. Bank<\/a><\/li><\/ul><\/li><li><a href=\"#h-conclusion\">Conclusion<\/a><\/li><li><a href=\"#h-related-articles\">Related Articles<\/a><\/li><\/ul><\/nav>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-what-are-mortgage-lenders-looking-for\"><span id=\"what-are-mortgage-lenders-looking-for\"><span style=\"color: #bc7e01\" class=\"ugb-highlight\"><strong>What Are Mortgage Lenders Looking For?<\/strong><\/span><\/span><\/h2>\n\n\n\n<p>When applying for a loan, it is important you play your own part first. A mortgage lender wouldn&#8217;t just consider you because you want to be a homeowner. <\/p>\n\n\n\n<p>The average American wants to own a home. So, what places your application forward against millions of other Americans especially as a self-employed person is what you should focus on doing.<\/p>\n\n\n\n<p>Here are few things to get ready, as mortgage lenders always lookout for these things.<\/p>\n\n\n\n<div class=\"wp-block-ugb-icon-list ugb-icon-list ugb-icon--icon-check ugb-dca5a44 ugb-icon-list--v2 ugb-main-block\"><style>.ugb-dca5a44 li::before{background-image:url('data:image\/svg+xml;base64,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')}.ugb-dca5a44.ugb-icon-list ul{columns:1}<\/style><div class=\"ugb-inner-block\"><div class=\"ugb-block-content\"><ul><li>The financial strength of your business<\/li><li>The ability of your business to generate enough income over time<\/li><li>Your business scalability<\/li><li>A steady income<\/li><li>Nature of your self-employment.<\/li><\/ul><\/div><\/div><\/div>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-what-you-should-look-out-for\"><span id=\"what-you-should-look-out-for\"><span style=\"color: #bc7e01\" class=\"ugb-highlight\"><strong>What You Should Look Out For<\/strong><\/span><\/span><\/h3>\n\n\n\n<p>Basically, getting approved for a loan is a 50-50 situation, as it depends on your lender just as much as it depends on you. <\/p>\n\n\n\n<p>So, here are a few things to consider when choosing a mortgage lender to apply to.<\/p>\n\n\n\n<div class=\"wp-block-ugb-icon-list ugb-icon-list ugb-icon--icon-check ugb-c75e578 ugb-icon-list--v2 ugb-main-block\"><style>.ugb-c75e578 li::before{background-image:url('data:image\/svg+xml;base64,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')}.ugb-c75e578.ugb-icon-list ul{columns:1}<\/style><div class=\"ugb-inner-block\"><div class=\"ugb-block-content\"><ul><li>Firstly, understand the terms of the loan being offered. Have a wide range of options and compare them to know who has the best interest rate, whether the rates are fixed or adjustable. A fixed-rate means the rate is constant throughout the life of the loan. If it&#8217;s adjustable means that it can change over time. Also, know how long you have to pay back the loan.<\/li><li>Next, find out how much your lender requires as a down payment &#8211; that is a deposit on your new home. Consider the property taxes, and appraisal costs too while making that inquiry.<\/li><li>Finally, know what documents are required for your self-employed status. You may be asked for your tax returns, bank statements, and documents alike. Ensure you properly find out what documents will be needed to approve your application. <\/li><\/ul><\/div><\/div><\/div>\n\n\n\n<p>Having established the factors that must be considered before you apply to a mortgage lender, here are some tips to help you get a home mortgage.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-tips-on-how-to-get-a-mortgage\"><span id=\"tips-on-how-to-get-a-mortgage\"><span style=\"color: #bc7e01\" class=\"ugb-highlight\"><strong>Tips on How To Get a Mortgage<\/strong><\/span><\/span><\/h2>\n\n\n\n<p>Below are some useful tips to help you get a loan from mortgage lenders as a self employed.  <\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-1-fill-the-right-paperwork\"><span id=\"1-fill-the-right-paperwork\"><span style=\"color: #bc7e01\" class=\"ugb-highlight\"><strong>#1. Fill the right paperwork<\/strong><\/span><\/span><\/h3>\n\n\n\n<p>Gather the right documents to demonstrate to your loan officer and real estate agent. Ensure there are no mistakes or wrong documents attached. It makes you appear responsible.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-2-improve-your-credit-score\"><span id=\"2-improve-your-credit-score\"><span style=\"color: #bc7e01\" class=\"ugb-highlight\"><strong>#2. Improve your credit score<\/strong><\/span><\/span><\/h3>\n\n\n\n<p>The higher your credit score, the better chances you have at getting a mortgage loan from your lender. Your credit score is what determines how reliable you pay back your debt.<\/p>\n\n\n\n<p>Also, check your DTI( debt-to-income) ratio which is simply the amount of debt relative to your income. <\/p>\n\n\n\n<p>That is, divide the minimum monthly payments of your debt by your gross income per month. Aim to have a DTI ratio of 50% or less. You can also learn <strong><a href=\"https:\/\/kiiky.com\/wealth\/how-to-get-800-credit-score\/\">how to improve your credit score to 800. <\/a><\/strong><\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-3-give-a-large-down-payment\"><span id=\"3-give-a-large-down-payment\"><span style=\"color: #bc7e01\" class=\"ugb-highlight\"><strong>#3. Give a large down payment<\/strong><\/span><\/span><\/h3>\n\n\n\n<p>When paying for your home, it&#8217;s important you offer a large down payment. That way lenders will see you as someone with high prospects of paying back your loan.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-4-have-a-solid-self-employment-history\"><span id=\"4-have-a-solid-self-employment-history\"><span style=\"color: #bc7e01\" class=\"ugb-highlight\"><strong>#4. Have a solid self-employment history<\/strong><\/span><\/span><\/h3>\n\n\n\n<p>Your mortgage lender will want to see if you have been in business consistently for at least 2 years. Since you are self-employed, they&#8217;d want to see if you&#8217;ve had a steady income from whatever it is you do.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-5-look-attractive-to-your-mortgage-lender\"><span id=\"5-look-attractive-to-your-mortgage-lender\"><span style=\"color: #bc7e01\" class=\"ugb-highlight\"><strong>#5. Look attractive to your mortgage lender<\/strong><\/span><\/span><\/h3>\n\n\n\n<p>You don&#8217;t want to apply for a house mortgage looking like you won&#8217;t be able to pay back the mortgage loan. So, endeavor to appear as responsible as you are. Put your best foot forward.<\/p>\n\n\n\n<p>Now, who are the best mortgage lenders for self employed? You&#8217;ll find out shortly.<\/p>\n\n\n\n<div class=\"wp-block-ugb-notification ugb-notification ugb-2b46b74 ugb-notification--v2 ugb-notification--design-bordered ugb-notification--type-info ugb-main-block\"><style>.ugb-2b46b74 .ugb-notification__item{background-color:#ffffff !important}.ugb-2b46b74 .ugb-notification__item:before{background-color:#ffffff !important}.ugb-2b46b74 .ugb-notification__title{color:#222222 !important}<\/style><div class=\"ugb-inner-block\"><div class=\"ugb-block-content\"><div class=\"ugb-notification__item ugb-notification--new-icon ugb--shadow-4\"><h5 id=\"read-this-lenda-mortgage-reviews-how-it-works-is-it-legit-or-a-new-mortgage-scam\" class=\"ugb-notification__title\">Read this  <a href=\"https:\/\/kiiky.com\/wealth\/lenda-mortgage-reviews\/\">Lenda mortgage Reviews: How It Works | Is It Legit Or A New Mortgage Scam<\/a><\/h5><\/div><\/div><\/div><\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-who-are-the-best-mortgage-lenders-for-self-employed\"><span id=\"who-are-the-best-mortgage-lenders-for-self-employed\"><span style=\"color: #bc7e01\" class=\"ugb-highlight\"><strong>Who Are The Best Mortgage Lenders for Self employed?<\/strong><\/span><\/span><\/h2>\n\n\n\n<p> These mortgage lenders are known to approve loans for the self-employed as long as they meet the requirements. <\/p>\n\n\n\n<p>Additionally, they offer FHA loans alongside other types of loan packages that are independent of each firm. <\/p>\n\n\n\n<p>Hence, here are the best mortgage lenders for self-employed people.<\/p>\n\n\n\n<div class=\"wp-block-ugb-icon-list ugb-icon-list ugb-icon--icon-check ugb-a9ccaee ugb-icon-list--v2 ugb-main-block\"><style>.ugb-a9ccaee li::before{background-image:url('data:image\/svg+xml;base64,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')}.ugb-a9ccaee.ugb-icon-list ul{columns:2}<\/style><div class=\"ugb-inner-block\"><div class=\"ugb-block-content\"><ul><li>Guaranteed Rate<\/li><li>First National bank<\/li><li><span style=\"text-indent: calc(var(--icon-size, 20px)*-1 - 1em)\">Luxury Mortgage<\/span><\/li><li>Homelight home loans<\/li><li><span style=\"text-indent: calc(var(--icon-size, 20px)*-1 - 1em)\">Freedom Mortgage<\/span><\/li><li>Quicken loans<\/li><li>Flagstar Bank<\/li><li>Citadel Servicing<\/li><li>Better Mortgage Corporation<\/li><li>PennyMac Loan Services<\/li><li>Angel Oak Mortgages<\/li><li>Carrington Mortgage<\/li><li>New American Funding<\/li><li>Athas Capital Group<\/li><li>The U.S. Bank<\/li><\/ul><\/div><\/div><\/div>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-1-guaranteed-rate\"><span id=\"1-guaranteed-rate\"><span style=\"color: #bc7e01\" class=\"ugb-highlight\"><strong>#1. Guaranteed Rate<\/strong><\/span><\/span><\/h3>\n\n\n\n<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-is-layout-1 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<p class=\"has-background\" style=\"background-color:#fdf5d2\"><strong>FHA Minimum Credit Score: <\/strong>620<\/p>\n<\/div>\n<\/div>\n\n\n\n<p>Begining my list of the best mortgage lenders for self-employed is the Guaranteed Rate company. The firm is a residential mortgage company with headquarters in Chicago, Illinois.<\/p>\n\n\n\n<p>With its 20 years of experience, Guaranteed rate company has a long record of providing satisfactory services to its customers. In fact, as of 2019, the company had a funded volume of $37 billion.<\/p>\n\n\n\n<p>Additionally, Guaranteed Rate has digitized the mortgage process making it easy for you to apply for your loan in minutes.<\/p>\n\n\n\n<div class=\"wp-block-ugb-button ugb-button-wrapper ugb-701e8dc ugb-main-block\"><style>.ugb-701e8dc .ugb-button1{background-color:#bc7e01}.ugb-701e8dc .ugb-button1 .ugb-button--inner,.ugb-701e8dc .ugb-button1 svg:not(.ugb-custom-icon){color:#ffffff !important}<\/style><div class=\"ugb-inner-block\"><div class=\"ugb-block-content\"><div class=\"ugb-button-container\"><a class=\"ugb-button1 ugb-button ugb-button--size-normal\" href=\"https:\/\/www.rate.com\/\" target=\"_blank\" rel=\"noopener noreferrer nofollow\" title=\"\"><span class=\"ugb-button--inner\"><strong>GUARANTEED RATE<\/strong><\/span><\/a><\/div><\/div><\/div><\/div>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-2-first-national-bank\"><span id=\"2-first-national-bank\"><span style=\"color: #bc7e01\" class=\"ugb-highlight\"><strong>#2. First National Bank<\/strong><\/span><\/span><\/h3>\n\n\n\n<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-is-layout-3 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-is-layout-2 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<p class=\"has-background\" style=\"background-color:#fdf5d2\"><strong>FHA Minimum Credit Score:<\/strong> 700<\/p>\n<\/div>\n<\/div>\n\n\n\n<p>First National Bank(FNBA) is a family-owned community bank with headquarters in East Lansing.<\/p>\n\n\n\n<p>The firm is known for providing a wide range of services from commercial to mortgage loans.<br>with its over 60 years of experience, FNBAs mortgage loan services are suitable for Self-Employed borrowers, ITIN borrowers, Previous Credit Event borrowers, and everyone in between.<\/p>\n\n\n\n<p>Find out more by clicking the button below.<\/p>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-ugb-button ugb-button-wrapper ugb-e90a42e ugb-main-block\"><style>.ugb-e90a42e .ugb-button1{background-color:#bc7e01}.ugb-e90a42e .ugb-button1 .ugb-button--inner,.ugb-e90a42e .ugb-button1 svg:not(.ugb-custom-icon){color:#ffffff !important}<\/style><div class=\"ugb-inner-block\"><div class=\"ugb-block-content\"><div class=\"ugb-button-container\"><a class=\"ugb-button1 ugb-button ugb-button--size-normal\" href=\"https:\/\/www.fnba.com\/mortgage\/\" target=\"_blank\" rel=\"noopener noreferrer nofollow\" title=\"\"><span class=\"ugb-button--inner\"><strong>FIRST NATIONAL BANK<\/strong><\/span><\/a><\/div><\/div><\/div><\/div>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-3-luxury-mortgage\"><span id=\"3-luxury-mortgage\"><span style=\"color: #bc7e01\" class=\"ugb-highlight\"><strong>#3. Luxury Mortgage<\/strong><\/span><\/span><\/h3>\n\n\n\n<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-is-layout-5 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-is-layout-4 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<p class=\"has-background\" style=\"background-color:#fdf5d2\"><strong>FHA Minimum Credit Score:<\/strong> 580<\/p>\n<\/div>\n<\/div>\n\n\n\n<p>Luxury Mortgage is a residential mortgage banking firm that makes it easy for homebuyers to get a mortgage for their homes.<\/p>\n\n\n\n<p>The firm offers traditional loan terms, as well as more flexible home payment plans with their 40-year loan program.<\/p>\n\n\n\n<p>Additionally, Luxury Mortgage offers a wide variety of mortgage products that include FHA, JUMBO, and Super JUMBO mortgages.<\/p>\n\n\n\n<p>The firm is has been offering residential mortgage services for over 24 years, making it easy for self-employed people to receive a loan. <\/p>\n\n\n\n<p>Luxury Mortgage makes the list as one of the best mortgage lenders for the self-employed, and you can get to know more by clicking the button.<\/p>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-ugb-button ugb-button-wrapper ugb-13bc6ab ugb-main-block\"><style>.ugb-13bc6ab .ugb-button1{background-color:#bc7e01}.ugb-13bc6ab .ugb-button1 .ugb-button--inner,.ugb-13bc6ab .ugb-button1 svg:not(.ugb-custom-icon){color:#ffffff !important}<\/style><div class=\"ugb-inner-block\"><div class=\"ugb-block-content\"><div class=\"ugb-button-container\"><a class=\"ugb-button1 ugb-button ugb-button--size-normal\" href=\"https:\/\/www.luxurymortgage.com\/\" target=\"_blank\" rel=\"noopener noreferrer nofollow\" title=\"\"><span class=\"ugb-button--inner\"><strong>LUXURY MORTGAGE<\/strong><\/span><\/a><\/div><\/div><\/div><\/div>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-4-homelight-home-loans-eave\"><span id=\"4-homelight-home-loans-eave\"><span style=\"color: #bc7e01\" class=\"ugb-highlight\">#4. <strong>HomeLight Home Loans (Eave)<\/strong><\/span><\/span><\/h3>\n\n\n\n<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-is-layout-7 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-is-layout-6 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<p class=\"has-background\" style=\"background-color:#fdf5d2\"><strong>FHA Minimum Credit Score:<\/strong> 620<\/p>\n<\/div>\n<\/div>\n\n\n\n<p>Eave, Inc. dba HomeLight Home Loans (&#8220;HLHL&#8221;) is a digital mortgage lender that has transformed the mortgage lending industry into a quick-service industry. <\/p>\n\n\n\n<p>One that gives the self-employed the same mortgage opportunity as those with the traditional brick and mortar job.<\/p>\n\n\n\n<p>As long as you meet its requirement of providing your employment history that proves that you are able to pay for the loan you are requesting, Eave simplifies the process.<\/p>\n\n\n\n<p>Get to know more about this mortgage lender by clicking the button below.<\/p>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-ugb-button ugb-button-wrapper ugb-e60cf2e ugb-main-block\"><style>.ugb-e60cf2e .ugb-button1{background-color:#bc7e01}.ugb-e60cf2e .ugb-button1 .ugb-button--inner,.ugb-e60cf2e .ugb-button1 svg:not(.ugb-custom-icon){color:#ffffff !important}<\/style><div class=\"ugb-inner-block\"><div class=\"ugb-block-content\"><div class=\"ugb-button-container\"><a class=\"ugb-button1 ugb-button ugb-button--size-normal\" href=\"https:\/\/homelighthomeloans.com\/\" target=\"_blank\" rel=\"noopener noreferrer nofollow\" title=\"\"><span class=\"ugb-button--inner\"><strong>EAVE<\/strong><\/span><\/a><\/div><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-ugb-notification ugb-notification ugb-120ee52 ugb-notification--v2 ugb-notification--design-bordered ugb-notification--type-info ugb-main-block\"><style>.ugb-120ee52 .ugb-notification__item{background-color:#ffffff !important}.ugb-120ee52 .ugb-notification__item:before{background-color:#ffffff !important}.ugb-120ee52 .ugb-notification__title{color:#222222 !important}<\/style><div class=\"ugb-inner-block\"><div class=\"ugb-block-content\"><div class=\"ugb-notification__item ugb-notification--new-icon ugb--shadow-4\"><h5 id=\"learn-how-to-get-800-credit-score-in-2022-easy-guide\" class=\"ugb-notification__title\">Learn <a href=\"https:\/\/kiiky.com\/wealth\/how-to-get-800-credit-score\/\">How To Get 800 Credit Score In 2022 | Easy Guide<\/a><\/h5><\/div><\/div><\/div><\/div>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-5-freedom-mortgage\"><span id=\"5-freedom-mortgage\"><span style=\"color: #bc7e01\" class=\"ugb-highlight\"><strong>#5. Freedom Mortgage<\/strong><\/span><\/span><\/h3>\n\n\n\n<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-is-layout-9 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-is-layout-8 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<p class=\"has-background\" style=\"background-color:#fdf5d2\"><strong>FHA Minimum Credit Score:<\/strong> 540<\/p>\n<\/div>\n<\/div>\n\n\n\n<p>Another one of the best mortgage lenders for self-employed is Freedom Mortgage. Established in 1990, the company is a full-service company that provides mortgage loans through retail, wholesale, and correspondent channels.<\/p>\n\n\n\n<p>Freedom Mortgage is present in all 50 states and is a good option for those who will like to relocate in the future. <\/p>\n\n\n\n<p>Get to know more about Freedom Mortgage by clicking the button here.<\/p>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-ugb-button ugb-button-wrapper ugb-3b1340c ugb-main-block\"><style>.ugb-3b1340c .ugb-button1{background-color:#bc7e01}.ugb-3b1340c .ugb-button1 .ugb-button--inner,.ugb-3b1340c .ugb-button1 svg:not(.ugb-custom-icon){color:#ffffff !important}<\/style><div class=\"ugb-inner-block\"><div class=\"ugb-block-content\"><div class=\"ugb-button-container\"><a class=\"ugb-button1 ugb-button ugb-button--size-normal\" href=\"https:\/\/www.freedommortgage.com\/\" target=\"_blank\" rel=\"noopener noreferrer nofollow\" title=\"\"><span class=\"ugb-button--inner\"><strong>FREEDOM MORTGAGE<\/strong><\/span><\/a><\/div><\/div><\/div><\/div>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-6-quicken-loans\"><span id=\"6-quicken-loans\"><span style=\"color: #bc7e01\" class=\"ugb-highlight\"><strong>#6. Quicken Loans<\/strong><\/span><\/span><\/h3>\n\n\n\n<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-is-layout-11 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-is-layout-10 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<p class=\"has-background\" style=\"background-color:#fdf5d2\"><strong>FHA Minimum Credit Score:<\/strong> 580<\/p>\n<\/div>\n<\/div>\n\n\n\n<p>Quicken loans is a mortgage lending company with headquarters in Michigan. The firm offers different types of loan services and is also known as the largest overall retail lender in the U.S.<\/p>\n\n\n\n<p>Additionally, Quicken Loans offers its customers online tools to help them monitor their mortgage application process. Also, these online tools allow you to customize your application process even till setting your own closing time.<\/p>\n\n\n\n<p>The company is present in all 50 states and has closed over $400 billion of mortgage volume between 2013-2017.<\/p>\n\n\n\n<p>Find out more by clicking the button below.<\/p>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-ugb-button ugb-button-wrapper ugb-35abdf9 ugb-main-block\"><style>.ugb-35abdf9 .ugb-button1{background-color:#bc7e01}.ugb-35abdf9 .ugb-button1 .ugb-button--inner,.ugb-35abdf9 .ugb-button1 svg:not(.ugb-custom-icon){color:#ffffff !important}<\/style><div class=\"ugb-inner-block\"><div class=\"ugb-block-content\"><div class=\"ugb-button-container\"><a class=\"ugb-button1 ugb-button ugb-button--size-normal\" href=\"https:\/\/www.quickenloans.com\/\" target=\"_blank\" rel=\"noopener noreferrer nofollow\" title=\"\"><span class=\"ugb-button--inner\"><strong>QUICKEN LOAN<\/strong><\/span><\/a><\/div><\/div><\/div><\/div>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-7-flagstar-bank\"><span id=\"7-flagstar-bank\"><span style=\"color: #bc7e01\" class=\"ugb-highlight\"><strong>#7. Flagstar Bank<\/strong><\/span><\/span><\/h3>\n\n\n\n<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-is-layout-13 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-is-layout-12 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<p class=\"has-background\" style=\"background-color:#fdf5d2\"><strong>FHA Minimum Credit Score:<\/strong> 600<\/p>\n<\/div>\n<\/div>\n\n\n\n<p>Flagstar Bank is a subsidiary of Flagstar Boncorp, a bank holding company in Michigan. It offers a variety of banking and lending products from FHA loans, to government-backed loans, specialty loans, and lots more.<\/p>\n\n\n\n<p>Whether you are a first time home buyer or not, Flagstar bank&#8217;s mortgage options are tailored to suit your needs.<\/p>\n\n\n\n<p>Get to know more by clicking the button below.<\/p>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-ugb-button ugb-button-wrapper ugb-45f3bf4 ugb-main-block\"><style>.ugb-45f3bf4 .ugb-button1{background-color:#bc7e01}.ugb-45f3bf4 .ugb-button1 .ugb-button--inner,.ugb-45f3bf4 .ugb-button1 svg:not(.ugb-custom-icon){color:#ffffff !important}<\/style><div class=\"ugb-inner-block\"><div class=\"ugb-block-content\"><div class=\"ugb-button-container\"><a class=\"ugb-button1 ugb-button ugb-button--size-normal\" href=\"https:\/\/www.flagstar.com\/\" target=\"_blank\" rel=\"noopener noreferrer nofollow\" title=\"\"><span class=\"ugb-button--inner\"><strong>FLAGSTAR BANK<\/strong><\/span><\/a><\/div><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-ugb-notification ugb-notification ugb-3a3a131 ugb-notification--v2 ugb-notification--design-bordered ugb-notification--type-info ugb-main-block\"><style>.ugb-3a3a131 .ugb-notification__item{background-color:#ffffff !important}.ugb-3a3a131 .ugb-notification__item:before{background-color:#ffffff !important}.ugb-3a3a131 .ugb-notification__title{color:#222222 !important}<\/style><div class=\"ugb-inner-block\"><div class=\"ugb-block-content\"><div class=\"ugb-notification__item ugb-notification--new-icon ugb--shadow-4\"><h5 id=\"read-how-to-buy-a-house-with-no-money-down-7-legit-ways\" class=\"ugb-notification__title\">Read <a href=\"https:\/\/kiiky.com\/wealth\/how-can-i-buy-a-house-with-no-money\/\">How To Buy A House With No Money Down: 7 Legit Ways<\/a><\/h5><\/div><\/div><\/div><\/div>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-8-citadel-servicing\"><span id=\"8-citadel-servicing\"><span style=\"color: #bc7e01\" class=\"ugb-highlight\"><strong>#8. Citadel Servicing<\/strong><\/span><\/span><\/h3>\n\n\n\n<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-is-layout-15 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-is-layout-14 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<p class=\"has-background\" style=\"background-color:#fdf5d2\"><strong>FHA Minimum Credit Score:<\/strong> 500<\/p>\n<\/div>\n<\/div>\n\n\n\n<p>Citadel Servicing is a mortgage lender that offers Non-QM Wholesale and Correspondent lending programs.<\/p>\n\n\n\n<p>With over 40 years of experience, this company does not require traditional income employment proof. Rather, it lets you apply for loans using different income products like asset depletion, bank statements, verification of employment, to mention a few.<\/p>\n\n\n\n<p>Additionally, it has a wide variety of mortgage options that include fixed and adjustable-rate mortgages (ARMs) for residential properties on both an owner-occupied and non-owner occupied basis.<\/p>\n\n\n\n<p>Find out more by clicking the button below.<\/p>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-ugb-button ugb-button-wrapper ugb-cf2ace8 ugb-main-block\"><style>.ugb-cf2ace8 .ugb-button1{background-color:#bc7e01}.ugb-cf2ace8 .ugb-button1 .ugb-button--inner,.ugb-cf2ace8 .ugb-button1 svg:not(.ugb-custom-icon){color:#ffffff !important}<\/style><div class=\"ugb-inner-block\"><div class=\"ugb-block-content\"><div class=\"ugb-button-container\"><a class=\"ugb-button1 ugb-button ugb-button--size-normal\" href=\"https:\/\/citadelservicing.com\/\" target=\"_blank\" rel=\"noopener noreferrer nofollow\" title=\"\"><span class=\"ugb-button--inner\"><strong>CITADEL SERVICING<\/strong><\/span><\/a><\/div><\/div><\/div><\/div>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-9-better-mortgage-corporation\"><span id=\"9-better-mortgage-corporation\"><span style=\"color: #bc7e01\" class=\"ugb-highlight\"><strong>#9. Better Mortgage Corporation<\/strong><\/span><\/span><\/h3>\n\n\n\n<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-is-layout-17 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-is-layout-16 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<p class=\"has-background\" style=\"background-color:#fdf5d2\"><strong>FHA Minimum Credit Score:<\/strong> 620<\/p>\n<\/div>\n<\/div>\n\n\n\n<p>Better Mortgage Corporation intends to make the entire mortgage process easy and much more simplified. The company believes in transparency, and that homeownership should not be so difficult.<\/p>\n\n\n\n<p>In addition, Better Mortgage uses technology to help you understand the various mortgage products it offers and to determine which one best suits you. It also allows you to readily complete your application process online with little or no hassle.<\/p>\n\n\n\n<p>Get to know more about this stress-free mortgage lender for self-employed by clicking the button below.<\/p>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-ugb-button ugb-button-wrapper ugb-13bede0 ugb-main-block\"><style>.ugb-13bede0 .ugb-button1{background-color:#bc7e01}.ugb-13bede0 .ugb-button1 .ugb-button--inner,.ugb-13bede0 .ugb-button1 svg:not(.ugb-custom-icon){color:#ffffff !important}<\/style><div class=\"ugb-inner-block\"><div class=\"ugb-block-content\"><div class=\"ugb-button-container\"><a class=\"ugb-button1 ugb-button ugb-button--size-normal\" href=\"https:\/\/better.com\/\" target=\"_blank\" rel=\"noopener noreferrer nofollow\" title=\"\"><span class=\"ugb-button--inner\"><strong>BETTER MORTGAGE CORPORATION<\/strong><\/span><\/a><\/div><\/div><\/div><\/div>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-10-pennymac-loan-services\"><span id=\"10-pennymac-loan-services\"><span style=\"color: #bc7e01\" class=\"ugb-highlight\"><strong>#10. PennyMac Loan Services<\/strong><\/span><\/span><\/h3>\n\n\n\n<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-is-layout-19 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-is-layout-18 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<p class=\"has-background\" style=\"background-color:#fdf5d2\"><strong>FHA Minimum Credit Score:<\/strong> 620<\/p>\n<\/div>\n<\/div>\n\n\n\n<p>PennyMac Loan Services is one of the top 3 lenders in the USA. Founded in 2008, the company has provided every customer with the right loan for their need.<\/p>\n\n\n\n<p>PennyMac Loan Services offers a wide variety of loan programs. From Conventional loans to VA, FHA, Investment property loans, and USDA loans. Whatever your need may be all these loan options are tailored to suit them.<\/p>\n\n\n\n<p>Find out what PennyMAc has in store for you by clicking the button below.<\/p>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-ugb-button ugb-button-wrapper ugb-33ca46b ugb-main-block\"><style>.ugb-33ca46b .ugb-button1{background-color:#bc7e01}.ugb-33ca46b .ugb-button1 .ugb-button--inner,.ugb-33ca46b .ugb-button1 svg:not(.ugb-custom-icon){color:#ffffff !important}<\/style><div class=\"ugb-inner-block\"><div class=\"ugb-block-content\"><div class=\"ugb-button-container\"><a class=\"ugb-button1 ugb-button ugb-button--size-normal\" href=\"https:\/\/www.pennymacusa.com\/\" target=\"_blank\" rel=\"noopener noreferrer nofollow\" title=\"\"><span class=\"ugb-button--inner\"><strong>PENNYMAC LOAN SERVICES<\/strong><\/span><\/a><\/div><\/div><\/div><\/div>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-11-angel-oak-mortgages\"><span id=\"11-angel-oak-mortgages\"><span style=\"color: #bc7e01\" class=\"ugb-highlight\"><strong>#11. Angel Oak Mortgages<\/strong><\/span><\/span><\/h3>\n\n\n\n<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-is-layout-21 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-is-layout-20 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<p class=\"has-background\" style=\"background-color:#fdf5d2\"><strong>Minimum Credit Score:<\/strong> 660<\/p>\n<\/div>\n<\/div>\n\n\n\n<p>Angel Oak Mortgage is a wholesale mortgage lender that offers a non-QM and specialized mortgage solutions for brokers and those in need of a mortgage.<\/p>\n\n\n\n<p>The firm offers only 30 year fixed rates with no ARMs( adjustable rate mortgages). Additionally, it has a wide variety of loan options for self-employed that include bank statement mortgage, 1099 income loan, Investor cash flow, Platinum jumbo mortgage, among others.<\/p>\n\n\n\n<p>Also, Angel Oak Mortgage offers an automated tool &#8220;QuickQual&#8221; that makes the application process easier for loan officers to determine borrowers&#8217; eligibility.<\/p>\n\n\n\n<p>Find out what other packages Angel Oak Mortgage has to offer for self-employed people by clicking the button below.<\/p>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-ugb-button ugb-button-wrapper ugb-2b26a42 ugb-main-block\"><style>.ugb-2b26a42 .ugb-button1{background-color:#bc7e01}.ugb-2b26a42 .ugb-button1 .ugb-button--inner,.ugb-2b26a42 .ugb-button1 svg:not(.ugb-custom-icon){color:#ffffff !important}<\/style><div class=\"ugb-inner-block\"><div class=\"ugb-block-content\"><div class=\"ugb-button-container\"><a class=\"ugb-button1 ugb-button ugb-button--size-normal\" href=\"https:\/\/angeloakms.com\/programs\/\" target=\"_blank\" rel=\"noopener noreferrer nofollow\" title=\"\"><span class=\"ugb-button--inner\"><strong>ANGEL OAK MORTGAGES <\/strong><\/span><\/a><\/div><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-ugb-notification ugb-notification ugb-4957fe7 ugb-notification--v2 ugb-notification--design-bordered ugb-notification--type-info ugb-main-block\"><style>.ugb-4957fe7 .ugb-notification__item{background-color:#ffffff !important}.ugb-4957fe7 .ugb-notification__item:before{background-color:#ffffff !important}.ugb-4957fe7 .ugb-notification__title{color:#222222 !important}<\/style><div class=\"ugb-inner-block\"><div class=\"ugb-block-content\"><div class=\"ugb-notification__item ugb-notification--new-icon ugb--shadow-4\"><h5 id=\"read-also-best-way-to-invest-10000-new-ways-to-get-up-to-5x-your-money\" class=\"ugb-notification__title\">Read also: <a href=\"https:\/\/thewealthcircle.com\/how-do-insurance-companies-make-money\/\" target=\"_blank\" rel=\"noreferrer noopener\"><\/a><a href=\"https:\/\/kiiky.com\/wealth\/best-way-to-invest-10000\/\">Best Way To Invest $10,000: New Ways To Get Up To 5x Your Money<\/a><\/h5><\/div><\/div><\/div><\/div>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-12-carrington-mortgage\"><span id=\"12-carrington-mortgage\"><span style=\"color: #bc7e01\" class=\"ugb-highlight\"><strong>#12. Carrington Mortgage<\/strong><\/span><\/span><\/h3>\n\n\n\n<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-is-layout-23 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-is-layout-22 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<p class=\"has-background\" style=\"background-color:#fdf5d2\"><strong>Minimum Credit Score:<\/strong> 500<\/p>\n<\/div>\n<\/div>\n\n\n\n<p>Carrington Mortgage Services, a subsidiary of Carrington Holding is a fully-integrated mortgage company with lending and mortgage servicing operations.<\/p>\n\n\n\n<p>The company offers a wide variety of mortgage types that include ARMs, conventional, FHA, home equity loans and HELOCs, jumbo, refinance, USDA, and VA.<\/p>\n\n\n\n<p>These loan options put together to provide full support to borrowers and investors.<\/p>\n\n\n\n<p>To learn more about the Carrington Mortgage service, click the button below.<\/p>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-ugb-button ugb-button-wrapper ugb-1c36fb2 ugb-main-block\"><style>.ugb-1c36fb2 .ugb-button1{background-color:#bc7e01}.ugb-1c36fb2 .ugb-button1 .ugb-button--inner,.ugb-1c36fb2 .ugb-button1 svg:not(.ugb-custom-icon){color:#ffffff !important}<\/style><div class=\"ugb-inner-block\"><div class=\"ugb-block-content\"><div class=\"ugb-button-container\"><a class=\"ugb-button1 ugb-button ugb-button--size-normal\" href=\"https:\/\/www.carringtonmortgage.com\/\" target=\"_blank\" rel=\"noopener noreferrer nofollow\" title=\"\"><span class=\"ugb-button--inner\"><strong>CARRINGTON MORTGAGE<\/strong><\/span><\/a><\/div><\/div><\/div><\/div>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-13-new-american-funding\"><span id=\"13-new-american-funding\"><span style=\"color: #bc7e01\" class=\"ugb-highlight\"><strong>#13. New American Funding<\/strong><\/span><\/span><\/h3>\n\n\n\n<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-is-layout-25 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-is-layout-24 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<p class=\"has-background\" style=\"background-color:#fdf5d2\"><strong>Minimum Credit Score:<\/strong> 500<\/p>\n<\/div>\n<\/div>\n\n\n\n<p>New American funding is a mortgage lender that offers a variety of home loan options nationwide including low and no-downpayment loans.<\/p>\n\n\n\n<p>Some of its mortgage types include ARM, cash-out refinance, conventional, FHA, jumbo, USDA, to mention a few.<\/p>\n\n\n\n<p>Once your loan has been approved, you can manage payments, view your balance and other loan information through your online account.<\/p>\n\n\n\n<p>Click the button below to find out more.<\/p>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-ugb-button ugb-button-wrapper ugb-c150cea ugb-main-block\"><style>.ugb-c150cea .ugb-button1{background-color:#bc7e01}.ugb-c150cea .ugb-button1 .ugb-button--inner,.ugb-c150cea .ugb-button1 svg:not(.ugb-custom-icon){color:#ffffff !important}<\/style><div class=\"ugb-inner-block\"><div class=\"ugb-block-content\"><div class=\"ugb-button-container\"><a class=\"ugb-button1 ugb-button ugb-button--size-normal\" href=\"https:\/\/www.newamericanfunding.com\/\" target=\"_blank\" rel=\"noopener noreferrer nofollow\" title=\"\"><span class=\"ugb-button--inner\"><strong>NEW AMERICAN FUNDING<\/strong><\/span><\/a><\/div><\/div><\/div><\/div>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-14-athas-capital-group\"><span id=\"14-athas-capital-group\"><span style=\"color: #bc7e01\" class=\"ugb-highlight\"><strong>#14. Athas Capital Group<\/strong><\/span><\/span><\/h3>\n\n\n\n<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-is-layout-27 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-is-layout-26 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<p class=\"has-background\" style=\"background-color:#fdf5d2\"><strong>Minimum Credit Score:<\/strong> 500<\/p>\n<\/div>\n<\/div>\n\n\n\n<p>Athas capital group is a direct lending platform that offers non QM lending programs. With over 50 years of experience, Athas capital group offers financial solutions to borrowers deserving of it.<\/p>\n\n\n\n<p>Since its inception, Athas has funded over $3 billion of new loan originations.<\/p>\n\n\n\n<p>Find out more by clicking the button below.<\/p>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-ugb-button ugb-button-wrapper ugb-cd73eb6 ugb-main-block\"><style>.ugb-cd73eb6 .ugb-button1{background-color:#bc7e01}.ugb-cd73eb6 .ugb-button1 .ugb-button--inner,.ugb-cd73eb6 .ugb-button1 svg:not(.ugb-custom-icon){color:#ffffff !important}<\/style><div class=\"ugb-inner-block\"><div class=\"ugb-block-content\"><div class=\"ugb-button-container\"><a class=\"ugb-button1 ugb-button ugb-button--size-normal\" href=\"https:\/\/athascapital.com\/\" target=\"_blank\" rel=\"noopener noreferrer nofollow\" title=\"\"><span class=\"ugb-button--inner\"><strong>ATHAS CAPITAL GROUP<\/strong><\/span><\/a><\/div><\/div><\/div><\/div>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-15-u-s-bank\"><span id=\"15-u-s-bank\"><span style=\"color: #bc7e01\" class=\"ugb-highlight\"><strong>#15. U.S. Bank<\/strong><\/span><\/span><\/h3>\n\n\n\n<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-is-layout-29 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-is-layout-28 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<p class=\"has-background\" style=\"background-color:#fdf5d2\"><strong>Minimum Credit Score:<\/strong> 700<\/p>\n<\/div>\n<\/div>\n\n\n\n<p>Rounding up my list of the best mortgage lender for the self-employed is the US Bank. The bank provides financial products and services that aim to make banking safe, easy, and convenient.<\/p>\n\n\n\n<p>Included in the range of financial services is Mortgage. US Bank offers a wide range of mortgage types such as FHA, Investment property loans, New construction and lot loans, ARMs, Jumbo loans, VA, Conventional fixed-rate loans, to name a few.<\/p>\n\n\n\n<p>Get to know more about the US bank&#8217;s mortgage process for self-employed people by clicking the button here.<\/p>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-ugb-button ugb-button-wrapper ugb-afc5c32 ugb-main-block\"><style>.ugb-afc5c32 .ugb-button1{background-color:#bc7e01}.ugb-afc5c32 .ugb-button1 .ugb-button--inner,.ugb-afc5c32 .ugb-button1 svg:not(.ugb-custom-icon){color:#ffffff !important}<\/style><div class=\"ugb-inner-block\"><div class=\"ugb-block-content\"><div class=\"ugb-button-container\"><a class=\"ugb-button1 ugb-button ugb-button--size-normal\" href=\"https:\/\/www.usbank.com\/home-loans\/mortgage.html\" target=\"_blank\" rel=\"noopener noreferrer\" title=\"\"><span class=\"ugb-button--inner\"><strong>US BANK<\/strong><\/span><\/a><\/div><\/div><\/div><\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-conclusion\"><span id=\"conclusion\"><span style=\"color: #bc7e01\" class=\"ugb-highlight\"><strong>Conclusion<\/strong><\/span><\/span><\/h2>\n\n\n\n<p>Below is a summary of the best mortgage lenders for the self-employed as well as their credit score.<\/p>\n\n\n\n<figure class=\"wp-block-table is-style-stripes\"><table><tbody><tr><td><strong>Mortgage Lender<\/strong><\/td><td><strong>Minimum Credit Score<\/strong><\/td><\/tr><tr><td>Guaranteed Rate<\/td><td>620<\/td><\/tr><tr><td>First National Bank<\/td><td>700<\/td><\/tr><tr><td>Luxury Mortgage<\/td><td>580<\/td><\/tr><tr><td>Homelight home loans<\/td><td>620<\/td><\/tr><tr><td>Freedom Mortgage<\/td><td>540<\/td><\/tr><tr><td>Quicken Loans<\/td><td>580<\/td><\/tr><tr><td>Flagstar Bank<\/td><td>600<\/td><\/tr><tr><td>Citadel Servicing<\/td><td>500<\/td><\/tr><tr><td>Better Mortgage Corporation<\/td><td>620<\/td><\/tr><tr><td>PennyMac Loan Services <\/td><td>620<\/td><\/tr><tr><td>Angel Oak Mortgages<\/td><td>660<\/td><\/tr><tr><td>Carrington Mortgage<\/td><td>500<\/td><\/tr><tr><td>New American Funding<\/td><td>500<\/td><\/tr><tr><td>Athas Capital Group<\/td><td>500<\/td><\/tr><tr><td>U.S. Bank<\/td><td>700<\/td><\/tr><\/tbody><\/table><figcaption>best mortgage lenders for self employed <\/figcaption><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-related-articles\"><span id=\"related-articles\"><span style=\"color: #bc7e01\" class=\"ugb-highlight\"><strong>Related Articles<\/strong><\/span><\/span><\/h2>\n\n\n\n<div class=\"wp-block-ugb-icon-list ugb-icon-list ugb-icon--icon-check ugb-8fd7516 ugb-icon-list--v2 ugb-main-block\"><style>.ugb-8fd7516 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then&hellip;\n","protected":false,"gt_translate_keys":[{"key":"rendered","format":"html"}]},"author":30,"featured_media":5053,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[51,1294],"tags":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v22.6 (Yoast SEO v22.6) - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>15 Best Mortgage Lenders For Self Employed | Updated<\/title>\n<meta name=\"description\" content=\"Here are the best mortgage lenders for self employed people - Guaranteed Rate, First National Bank, Luxury Mortgage, Get to know more here\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/kiiky.com\/wealth\/15-best-mortgage-lenders-for-self-employed-in-2021\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" 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