Self-Employed Mortgages in Castle Rock, CO

Castle Rock has no shortage of business owners, contractors and 1099 earners, and many of them hear no from a bank because their write-offs make their income look smaller on paper. As mortgage brokers, we shop 100+ lenders for programs built around how self-employed borrowers actually earn, including first homes, move-up homes and rentals.

Who we help in Castle Rock

• Contractors and trades
• Small business owners
• Real estate agents
• Ranch and land owners
• Consultants and remote freelancers
• Commission earners and 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 Castle Rock

Castle Rock is in Douglas County, where the 2026 limit for both conventional and FHA loans on a single-family home is $862,500. Buying acreage or a home with land? Ask us how the property type affects your options. Need more? Jumbo and non-QM programs can go higher. See all Colorado county limits.

Meet us in person

Our office is in Lone Tree, a short drive up I-25 from Castle Rock, so it's easy to sit down in person. Come 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 Highlands Ranch, Lone Tree, Parker and across the Denver metro. 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