Self-Employed Mortgages in Denver, CO

Denver is full of people who work for themselves: restaurant and shop owners, creatives, consultants, gig workers and investors. The catch is that write-offs can make your income look smaller on paper, and many banks stop there. As mortgage brokers, we shop 100+ lenders for programs built around how self-employed borrowers actually earn.

Who we help in Denver

• Restaurant, shop and small business owners
• Creatives and freelancers
• Consultants and remote professionals
• Gig workers and 1099 contractors
• 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 Denver

In Denver County, 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.

Buying a condo?

Some Denver condo buildings don't meet Fannie Mae or Freddie Mac rules, which can make them harder to finance. See how non-warrantable condo loans work.

Meet in person or by video

Our office is in Lone Tree, about 20 to 30 minutes south of downtown Denver, and you're welcome to come by. Many Denver clients find phone or video meetings easier, and we can handle most of the process online.

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 Aurora, Littleton, Centennial, 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