Self-Employed Mortgages in Lone Tree, CO

Lone Tree is home base for us. Our office is right here, and we work with a lot of local business owners, consultants and 1099 earners whose tax returns don't tell the whole story. Banks often stop at the write-offs. As mortgage brokers, we shop 100+ lenders for programs built around how self-employed borrowers actually earn.

Who we help in Lone Tree

• Business owners
• Consultants and remote professionals
• Medical and dental providers in private practice
• 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 Lone Tree

Lone Tree 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.

Meet us in person

Our office is in Lone Tree, so meeting face to face is easy. Stop by to talk through your income, your options and your numbers before you start house hunting, 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 Highlands Ranch, 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