Self-Employed Mortgages in Highlands Ranch, CO

If you own a business, freelance or earn 1099 income in Highlands Ranch, you already know the catch: the write-offs that save you money at tax time can make your income look smaller to a lender. That's where many banks stop. We're mortgage brokers right next door in Lone Tree, and we shop 100+ lenders for programs built around how self-employed borrowers actually earn.

Who we help in Highlands Ranch

• Small business owners
• Contractors and trades
• Real estate agents
• Consultants and remote freelancers
• Medical and dental professionals in private practice
• Commission earners and 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 Highlands Ranch

Highlands Ranch is in Douglas 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, refinancing or tapping equity

We help self-employed Highlands Ranch homeowners buy a first or move-up home, refinance, or pull equity with a cash-out refinance or HELOC. We explain the options side by side, since these programs can carry different rates and terms.

Meet us in person

Our office is right next door in Lone Tree, just a few minutes from Highlands Ranch, so it's easy to sit down face to face. Stop by to go over your income and options, 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, Parker, Castle Rock 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