FHA Stated‑Income Loan for the Self‑Employed

Only 3.5% Down — Use Your REAL Income to Qualify

Are you self‑employed but don’t declare all of your income on your tax returns? This loan program was built for you.

With this FHA‑based stated‑income option, YOU prepare your own Profit & Loss and declare your actual income — not the reduced number on your tax returns.

Program Highlights

• Only 3.5% down
• Minimum 630 credit score
• Borrower‑prepared Profit & Loss accepted
• Purchase or refinance — including cash‑out
• No tax returns, no W‑2s, no CPA required

Eligible Property Types

• Single‑family homes
• Townhomes
• 2–4 units
• Manufactured homes
• FHA‑approved condos

Business Requirements

• Business must be operating since January 1st, 2024
• Must verify business through state, county, or city records

Perfect For Borrowers Who:

• Are self‑employed or 1099
• Don’t show all income on tax returns
• Need minimum down payment
• Want flexible qualification using actual business income

We close loans others can’t.

📍 Licensed States

California, Florida, Georgia, Illinois, North Carolina, South Carolina, Tennessee

📞 Contact Us

• Call/Text: 224-420-9990

• Email: bbutler@barclaybutlerfinancial.com

• Contact: Barclay Butler

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