Self-Employed Mortgages in Colorado Springs, CO

Colorado Springs has a big community of small business owners, contractors and 1099 professionals, including many veterans who've started businesses after service. If 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 Colorado Springs

• Veteran-owned businesses
• Defense and government contractors
• Small business owners
• 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 Colorado Springs

Colorado Springs is in El Paso County, where the 2026 limits on a single-family home are $832,750 for conventional loans and $541,650 for FHA loans. Need more? Jumbo and non-QM programs can go higher. See all Colorado county limits.

Veterans and service members

With Fort Carson, Peterson, Schriever and the Air Force Academy nearby, many of our Colorado Springs clients are eligible for a VA loan. VA loans can work with self-employment income, often with no down payment, and we'll compare them with the options above.

Work with us from anywhere

We're based in Lone Tree, about an hour north, and we work with Colorado Springs clients by phone, video and online. If you're heading up I-25, we're happy to meet in person at our office.

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 Castle Rock, Denver, Lone Tree, Fort Collins 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