Self-Employed Borrowers
Self-employed borrowers have unique income profiles — and many lenders don't know how to read them. Jay Dacey Mortgage Team specializes in financing for business owners, freelancers, contractors, and 1099 earners across Minnesota, Wisconsin, North Dakota, and Florida, with common-sense underwriting that looks at the full picture.
Income that tells your real story
If you're self-employed, your tax returns reflect smart deductions — which can make your qualifying income look lower than it is. We work with you and our underwriters to present your income accurately, using personal and business returns, year-over-year trends, and, where appropriate, bank-statement or profit-and-loss programs that capture what your business actually earns.
Programs that fit the way you work
Beyond conventional and jumbo loans, we offer non-QM and bank-statement options for borrowers whose income doesn't fit a standard box. Whether you're a sole proprietor, an LLC owner, or a seasoned contractor, we'll match you to the program that fits your cash flow and goals.
Documentation made simple
We'll give you a clear, upfront list of exactly what's needed — typically two years of personal and business tax returns — so there are no last-minute scrambles. Depending on your loan program, you may need profit-loss statements or business bank statements instead. You focus on your business; we handle the loan.
Frequently Asked Questions
What Our Clients Say
"Amazingly Helpful"
I have yet to actually buy a house myself, mostly due to my own questions on what I want, but Jay came highly recommended from a trusted co-worker. He has helped me through multiple choices, questions, potential properties, and helped my sister with her mortgage too. I would highly recommend Jay and his team!
"Seamless Home Buying Experience"
Jay and Madeline were incredible to work with from start to finish. As first-time homebuyers, we had endless questions and they walked us through every option patiently. They found us a rate we couldn't get anywhere else and closed right on schedule!
"Engaged and Responsive!"
THANK YOU to Molly and the Jay Dacey Team! During a refinance of my mortgage loan for lowering my interest rate, lowering my mortgage payment, and squaring away my escrow account! Engaged and responsive! Handled a difficult purchase previously and executed flawlessly.
Read All 325+ Verified Client Reviews
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