Self-Employed Mortgages in Centennial, CO

Centennial sits right next to the Denver Tech Center, and plenty of the people who live here work for themselves: consultants, contractors, small business owners and 1099 professionals. If your write-offs make your income look smaller on paper, many banks stop there. As mortgage brokers, we shop 100+ lenders for programs that fit how you actually earn.

Who we help in Centennial

• Consultants and independent contractors
• Small business owners
• Tech and sales professionals paid on commission
• Contractors and trades
• Real estate agents
• 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 Centennial

Centennial is in Arapahoe County, where 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.

Meet us in person

Our office is in Lone Tree, just down the road from Centennial, so it's easy to sit down 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 Lone Tree, Highlands Ranch, Littleton, Aurora 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