Financing solutions designed for self-employed borrowers

See if you can qualify with a fast, simple pre-qualification with no obligation.

  • Fast, no-obligation pre-qualification

  • Bank-statement programs available

  • Backed by self-employed lending expertise

🔒 Secure form. No obligation to proceed.

Why FlexPoint, Inc.?

Bank-Statement Options

Self-employed Expertise

Flexible Non-QM Programs

One-to-one Guidance

WHO IS THIS FOR?

Home financing that fits non-traditional income

Whether you run your own business, earn 1099 income, or simply don’t fit the traditional lending box, FlexPoint offers programs tailored to your needs.

  • Self-employed professionals and 1099 earners
  • Business owners using personal or business bank statements
  • Borrowers whose tax returns don’t reflect their true income
  • Homebuyers and refinancers who don’t fit traditional guidelines
GET STARTED

How Our Process Works

A simple 2-step path to see if you can get pre-qualification

Step 1

Tell us about your goals and property

Step 2

Review tailored options and next steps

START MY PRE-QUALIFICATION REQUEST
“

So glad he handled our refinance at FlexPoint. Their interest rate was fantastic and their fees were lower than other companies that I had compared. Thanks for getting it all done so smoothly.

Susan M.
“

It was a pleasure working with Justin. He helped guide me through the process and was immediately responsive to questions, even via text. Would recommend!

Christopher M
“

FlexPoint is an awesome company. I was surely blessed by getting assigned to Jordan Fletcher. Mr. Fletcher took over my VA refinance and guided me through the whole process in a very timely manner.

Chuck F.

READY TO TAKE THE NEXT STEP?

Apply for a loan today

Don’t let traditional lending rules hold you back. With FlexPoint, Inc., self-employed borrowers have a clear path to homeownership and refinancing.

  • Self-employed expertise
  • Transparent terms, fast answers
  • Thousands of loans funded
GET STARTED

Frequently Asked Questions

What is a Non-QM loan?

A Non-QM (Non-Qualified Mortgage) loan is designed for borrowers who don’t meet traditional lending criteria, offering flexible solutions based on alternative documentation and unique financial situations.

Who can benefit from Non-QM loans?

Self-employed individuals, real estate investors, and those with non-traditional income or credit histories can benefit from Non-QM loans.

Do you offer loans in my state?

FlexPoint, Inc. is licensed in multiple states. Please see the NMLS Consumer Access site for our licensing information.

What documents are needed for a Bank Statement Loan?

Typically, 12–24 months of personal or business bank statements are required, along with identification and other standard documentation.

Can I qualify after a recent credit event?

It may be possible, depending on details.

Do you support purchase and refinance?

Yes, subject to eligibility.

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