Flexible Financing for Entrepreneurs and Freelancers
Being your own boss shouldn’t mean roadblocks to homeownership. Our self-employed loan programs are designed for business owners, contractors, and freelancers with non-traditional income documentation.
No Income Verification Loans (DSCR).
We offer bank statement and alternative income verification loans so you can qualify using 12-24 months of deposits—no need for tax returns or employer pay stubs.
Customized Lending for Unique Financial Profiles
Your financial journey is unique, and we treat it that way. We’ll analyze your income, assets, and business history to match you with a loan structure that works for your lifestyle.
Benefits of Using a Self-Employed Loan
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Alternative Income Documentation
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Greater Flexibility for Entrepreneurs
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Access to Competitive Loan Options
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Maintain Tax Strategy Without Sacrificing Approval
Supportive, Confidential, and Experienced
You’ll receive respectful, judgment-free guidance and a team that understands the complexities of self-employment income. We simplify the paperwork and maximize your borrowing potential.
Why Homebuyers Trust Shannon Leigh Johnston for Their Mortgage Needs
At Shannon Leigh Johnston, we’re more than mortgage professionals—we’re dedicated advocates for your financial success. Licensed in Florida, Minnesota, and Wisconsin, we’ve earned the trust of homebuyers by delivering expert advice, personalized solutions, and unmatched client care. From your first consultation to closing day and beyond, our focus is always on you—your needs, your goals, your future.
We are known for
Every borrower is unique—and so are our loan strategies.
From first call to final closing, we provide attentive, one-on-one support.
Long-Term Relationships, Not One-Time Transactions
Solutions for Self-Employed & Non-Traditional Borrowers
"FAQs"
We offer a wide variety of loan options to meet diverse financial needs, including FHA Loans, VA Loans, Conventional Loans, Self-Employed Loans, Reverse Mortgages, and Second Mortgages. We help you choose the right one based on your goals, income, and credit profile.
Getting pre-approved starts with a short application and documentation of your income, assets, and credit. We’ll review everything and issue a pre-approval letter so you can shop for homes confidently and make competitive offers.
Yes! We specialize in helping self-employed borrowers qualify through bank statement or asset-based loan programs. Even without traditional W-2s, we can help structure a loan around your true income.
VA loans offer eligible veterans and active-duty service members benefits like no down payment, no private mortgage insurance (PMI), and competitive interest rates—making homeownership more affordable and accessible.
Pre-qualification gives you a general idea of how much you can borrow based on basic info. Pre-approval is a more in-depth review of your finances and is typically required by sellers to accept your offer seriously.
Licensed Guidance in FL, MN & WI.
Whether you’re buying your first home in Florida or settling down in Minnesota or Wisconsin, our loan expertise ensures a smooth and confident home financing experience in your region.
