Self-Employed Mortgages in Littleton, CO

From the shops and restaurants on Main Street to the contractors and consultants working out of home offices, Littleton has a lot of self-employed residents. The write-offs that help 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 built around how you actually earn.

Who we help in Littleton

• Shop, restaurant and small business owners
• Contractors and trades
• Consultants and remote freelancers
• Real estate agents
• Commission earners
• 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 Littleton

Most of Littleton is in Arapahoe County, with parts in Jefferson and Douglas counties. In all three, 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.

Meet us in person

Our office is in Lone Tree, a short drive from Littleton, so meeting in person is easy. Come by the office, or we can meet 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 Highlands Ranch, Centennial, Lone Tree, Denver 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