: Most lenders require at least two years of consistent self-employment in the same industry.
Unlike W-2 workers who only need paystubs, you must provide a detailed financial history: Self-Employed Mortgage Loan | Requirements 2026 self employed buying a house
: Lenders often require 6 to 12 months of mortgage payments in savings as a safety net in case of business fluctuations. Essential Documentation Checklist : Most lenders require at least two years