Mortgage Solutions Designed for Business Owners & Self-Employed Borrowers
Business Owners Helping Business Owners
Your tax returns don't always tell the whole story.
Your income may not fit neatly into traditional lending guidelines. At Platinum Mortgage Companies, we offer flexible mortgage solutions with alternative ways to document income, helping qualified self-employed borrowers pursue their financing goals.
- No Tax Returns Required
- Qualify Using Bank Statements or P&L Statements
- 1099 Income Programs
- DSCR Loans for Real Estate Investors
- Gig & Independent Contractor Income Options
- Up to 90% LTV on Select Programs
- Loan Amounts Up to $3.5 Million
- Asset Depletion Programs
- Primary Residence, Second Home & Investment Properties
- HELOC & Home Equity Loan Options
- Purchase, Refinance & Cash-Out Options
Let's find the right home financing solution for you.
Complete our short consultation request. We'll review and help identify which program best fits your needs.
It only takes about 60 seconds.
Because We Know Where to Look for Solutions.
We work closely with a network of wholesale lenders offering specialized programs for business owners and self-employed borrowers, giving us the flexibility to explore financing options beyond traditional lending guidelines.
- Over 50 Years of Combined Mortgage Experience
- Work Directly With the Owners—from Your First Question Through Closing
- Personalized Mortgage Solutions Tailored to Your Financial Profile
- Experience Helping Self-Employed Borrowers with Significant Business Write-Offs
- Business Owners Helping Business Owners
Dan Fernandez
NMLS # 341362
Wanda Wegweiser
NMLS # 327555
Income Documentation Options
Bank Statement Loans
Qualify using 12-24 months of personal or business bank statements instead of tax returns.
P&L & 1099 Programs
Use your accountant-prepared profit & loss statement or 1099 income to document earnings.
DSCR Loans for Real Estate Investors
Qualify based on a property's rental income potential rather than your personal income documentation.
Are You a Self-Employed Real Estate Investor?
DSCR Loans may allow you to qualify based primarily on the property's rental income rather than your personal tax returns or traditional employment income.
We Speak Self-Employment
We know self-employed borrowers face unique challenges. At Platinum Mortgage Companies, we believe every borrower deserves personalized guidance, honest answers, and financing solutions tailored to their unique financial goals—not a one-size-fits-all approach. That's why we take the time to understand your situation before recommending a mortgage solution.
Let's Help You Purchase Your Dream Home
Start with a no-obligation consultation and learn which program fits your situation.
Get Approved TodayOr call +1 561-220-8508
Not a commitment to lend. Programs, terms, and rates subject to credit approval, property appraisal, and investor/product guidelines. NMLS 360991.
Programs are subject to credit approval, income verification, property eligibility, appraisal requirements, lender guidelines, and availability. Loan terms and program features may change without notice. Not all borrowers or properties will qualify. Down payment requirements and maximum loan amounts vary by program. Platinum Luxury Advantage™ refers to select jumbo financing programs available through participating wholesale lenders. Program availability and eligibility vary.