IMPORTANT: I am a licensed REALTOR®, not a lender. I connect you with self-employed specialized lenders.
🏠 Self-Employed Home Loans in Austin
As a self-employed specialist, I help 1099, contractors and freelancers get mortgage loans with special programs. Don't let your employment stop you from homeownership!
📱 Free Consultation!
Guaranteed response within 2 hours
💼 Specialized Programs
Different loan programs designed specifically for self-employed workers
Bank Statement Loans
Qualify using your bank statements instead of tax returns. Ideal for contractors and freelancers.
- 12-24 months of statements
- No tax returns required
- Close in 30-45 days
Asset-Based Loans
Qualify based on your assets like investment accounts, savings and properties. Perfect for retirees or investors.
- Using liquid assets
- No verifiable income needed
- Maximum flexibility
Non-QM Loans
Non-traditional loans with flexible criteria. Ideal for unique employment situations or variable income.
- Flexible criteria
- Variable income OK
- Unique situations
📋 My Specialized Process
As a self-employed specialist, I have a proven process to get you the best loan
Situation Analysis
I review your unique situation as self-employed and determine the best program.
Document Preparation
I help you prepare the correct documentation according to the chosen program.
Lender Connection
I connect you with lenders specialized in self-employed borrowers.
Home Search
Once pre-approved, we search for your perfect home in Austin/Round Rock.
❓ Frequently Asked Questions
Answers to the most common questions about self-employed loans
Can I qualify without tax returns?
Yes! With Bank Statement and Asset-Based programs, you can qualify using bank statements or assets instead of tax returns.
What documents do I need as a 1099 contractor?
Typically 12-24 months of bank statements, professional licenses if applicable, and a CPA letter confirming your business.
How long does the process take?
Self-employed loans typically take 30-45 days from application to closing.
Are interest rates higher?
Rates may be slightly higher than traditional loans, but they remain very competitive with my network of specialized lenders.
What if my income varies a lot?
Non-QM programs are designed specifically for variable income. We evaluate your ability to pay holistically.
⭐ Success Stories
Real self-employed workers who achieved their dream of homeownership
"Sully helped me when 2 banks denied me. With a Bank Statement loan I bought my house in Round Rock in just 35 days."
Carlos M.
Construction Contractor
"As a freelancer, I thought it was impossible. Sully showed me options I didn't know existed. Now I have my home office!"
Ana R.
Freelance Designer
"I drive Uber full-time. Sully understood my situation and connected me with the perfect lender. House in Cedar Park!"
Miguel S.
Uber/Lyft Driver
🚀 Let's Get Started Today!
Don't let your self-employment stop you from homeownership. As a specialist, I have the connections and experience to make it happen.
⏱️ Guaranteed Response Within 2 Hours
I understand the urgency. As a self-employed specialist, I respond quickly.
TREC License #0742907. Sullysvenett Ruiz Torres, REALTOR® with Keller Williams Austin NW
Keller Williams Austin NW - 9606 N Mopac Expy, Ste 950, Austin, TX 78759
This website does not constitute a listing solicitation in states where Sully Ruiz is not licensed.