Self-Employed Mortgages in Elizabeth, CO

Elizabeth is just down the road from our home in Parker, and it’s full of people who work for themselves: ranchers, contractors, horse-property owners and small business owners who run things from home or commute into the metro. 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 Elizabeth

• Ranchers and ag businesses
• Contractors and trades
• Small business owners
• Real estate agents
• Remote workers and freelancers
• 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 Elizabeth

Elizabeth is in Elbert 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.

Buying acreage? Some homes in and around Elizabeth may qualify for USDA loans with no down payment, and lenders have different rules for land, wells and outbuildings. Send us the address and we’ll check what fits.

Meet us in person

We live next door in Parker, and our office is in Lone Tree, about 30 minutes away. We’re happy to meet for coffee in Elizabeth or Parker, at the office, or by phone or video if that works better.

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 Parker, Castle Rock, Lone Tree 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