At New Horizons Lending, we understand that San Antonio isn’t just one of the fastest-growing cities in Texas—it’s a thriving hub for entrepreneurs, freelancers, and small business owners. Whether you're running a food truck near The Pearl, managing a boutique in Alamo Heights, or freelancing remotely from your home in Stone Oak, we know that being self-employed offers freedom—but it can also make theself-employed mortgage process feel more complicated.

The good news? You have more options than you might think.

Why Getting a Mortgage as a Self-Employed Borrower Is Different

Traditional mortgage applications rely heavily on W-2s and pay stubs to verify income. For self-employed individuals, income can fluctuate month to month, and deductions on tax returns can sometimes make it look like you earn less than you actually do. That’s where specialized loan solutions come in—and that's where New Horizons Lending can help.

Mortgage Options for San Antonio’s Self-Employed Homebuyers

Here are some flexible options we offer:

• Bank Statement Loans: Instead of using tax returns, we review your bank statements (typically from the last 12 to 24 months) to verify your income. This can be a great fit if you have strong deposits but lots of write-offs on your taxes.

• Profit and Loss Statement Loans: Some programs allow you to qualify based on a professionally prepared profit and loss statement, offering even more flexibility.

• Asset Depletion Loans: If you have significant savings or investments, we can use those assets to help you qualify without relying heavily on monthly income.

• Non-QM (Non-Qualified Mortgage) Options: These loans are designed specifically for borrowers who don't meet traditional lending criteria but are financially responsible.

Local Expertise, Personal Service

San Antonio’s real estate market remains competitive, from the historic charm of King William District to the booming developments around Cibolo and Helotes. That's why it's critical to work with a local lender who understands both the unique challenges of self-employment and the nuances of the San Antonio housing market.

AtNew Horizons Lending, we take the time to get to know your full financial picture—not just what’s on paper. Our team is committed to finding solutions that help you achieve homeownership without the headaches.

Thinking about buying a home in San Antonio or nearby Seguin or San Marcos?

Let’s connect. We’re ready to guide you through the process with the flexibility, speed, and personalized service you deserve.