Can I buy a home if I'm self-employed?
Yes. Self-employed buyers qualify all the time — lenders typically look at about two years of tax returns to confirm steady income. Good bookkeeping and minimizing write-offs in the year or two before buying can help your numbers.
Absolutely. Plenty of my clients are business owners, freelancers, and 1099 earners. The main difference is how lenders verify your income: instead of pay stubs, they usually average about two years of your tax returns.
One thing worth knowing early: large write-offs lower your taxable income, which can also lower the income a lender will count. If buying is on your horizon, it's worth a conversation with your accountant and a lender a year or two ahead so your numbers tell the right story. I can connect you with lenders who work with self-employed buyers often.
This answer is general education, not legal, tax, or financial advice. Your situation is unique — let's talk through the specifics together.