Self-Employed Mortgages in Aurora, CO

Aurora is Colorado's third-largest city, with a big medical community around the Anschutz Medical Campus and a large military community around Buckley Space Force Base. Many residents are self-employed, work on contract or earn 1099 income. If your tax returns don't show what you really make, many banks stop there. As mortgage brokers, we shop 100+ lenders for programs that fit how you actually earn.

Who we help in Aurora

• Doctors, dentists and other providers in private practice
• Travel and contract nurses paid on 1099
• Small business owners
• Contractors and trades
• Gig and rideshare drivers
• Investors

7 Ways to Qualify

1. Tax returns. A conventional, FHA or VA loan may still be your best option, so we start there.
2. Bank statements. 12 or 24 months of business or personal deposits instead of tax returns.
3. 1099 income. Some programs use your 1099s to document income.
4. Profit and loss statement. A P&L, often prepared by a CPA or tax professional.
5. Assets. Savings and investments can be used to qualify.
6. Rental cash flow. Buying a rental? Qualify on the rent the property brings in.
7. One year self-employed. Many loans want two years, but some programs work with one.

Loan limits in Aurora

Aurora spans Arapahoe, Adams and Douglas counties. In all three, the 2026 limit for both conventional and FHA loans on a single-family home is $862,500. Need more? Jumbo and non-QM programs can go higher. See all Colorado county limits.

Veterans and service members

Self-employed and eligible for VA? A VA loan can still work with self-employment income, often with no down payment. We'll compare it with the options above.

Meet us in person

Our office is in Lone Tree, a short drive from south Aurora, so it's easy to meet face to face. Stop by the office, or we can meet by phone or video if that's easier.

What to bring (not sure what applies to you? We'll tell you):

• Recent tax returns
• Business and personal bank statements
• Any 1099s
• A year-to-date P&L

"She was able to get us a loan with some odd tax returns when no one else could." - Micah Little (Google review)

See What You Qualify ForText UsCall (303) 931-6776

We also help self-employed borrowers in Centennial, Parker, Denver, Lone Tree and across Colorado. Learn more about self-employed and 1099 mortgages.

Not all programs are available in all areas. Rates, terms and eligibility vary by lender and borrower and are subject to approval. This is not a commitment to lend.

Stephanie Cramm, NMLS #243972 | David Cramm, NMLS #565968 | Xpert Home Lending, Inc. NMLS #2179191 | Equal Housing Lender