Self-Employed Mortgages in Fort Collins, CO

Fort Collins has a strong small business scene, from breweries and restaurants to tech, consulting and the trades. If you're self-employed, the write-offs that save you money at tax time can make your income look smaller to a lender, and that's where many banks stop. As mortgage brokers, we shop 100+ lenders for programs that fit how you actually earn.

Who we help in Fort Collins

• Small business and restaurant owners
• Consultants and remote freelancers
• Contractors and trades
• Real estate agents
• Commission earners
• Investors buying rentals

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 Fort Collins

Fort Collins is in Larimer County, where the 2026 limits on a single-family home are $832,750 for conventional loans and $634,800 for FHA loans. Need more? Jumbo and non-QM programs can go higher. See all Colorado county limits.

Buying a rental?

If you're buying a property to rent out, a DSCR loan can qualify you based on the rent the property brings in instead of your personal income.

Work with us from anywhere

We're based in Lone Tree, and we work with Fort Collins clients by phone, video and online, so you don't have to make the drive. If you're ever in the south metro, we're happy to meet in person too.

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 Denver, Lone Tree, Colorado Springs 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