Self-Employed Loans

Specialized Self-Employed Loan Solutions

At Bernard Guste - Mortgage Loan Originator, NMLS #79676, we understand the unique financial landscape of self-employed individuals in the Greater New Orleans area. Our tailored loan options cater specifically to entrepreneurs, freelancers, and small business owners who may find traditional lending paths challenging. We offer innovative solutions that recognize your financial reality, including:

• Bank Statement Loans: Qualify without tax returns
• 1099 Income Loans: Streamlined approval for contractors
• P&L Loans: Leverage your business financials
• No tax returns or pay stubs required
• Qualification based on deposits and cash flow
• 12 or 24-month P&L statement options
• Fast processing with flexible underwriting

If your income isn’t easily documented through W-2s or tax returns, our Bank Statement Loan Program is the perfect fit. At Nexa Mortgage, we understand that your income may flow through multiple accounts—so we allow you to combine personal and business bank statements to present a more complete financial picture. We use 12 to 24 months of business and/or personal bank statements to verify your income, making it easier for self-employed borrowers to qualify.

1099 Income Loans – Simplified Approval for Independent Contractors

If you receive 1099 forms instead of W-2s, our 1099 Loan Program allows you to qualify using your actual income—not your tax-adjusted figures. One or two years of 1099’s forms are used to verify your income.

P&L Loans – Use Your Business Financials to Qualify

Our Profit & Loss (P&L) Loan Program allows self-employed borrowers to qualify using a CPA-prepared profit and loss statement instead of tax returns.

Our expertise in self-employed borrower solutions ensures you'll find a loan that fits your unique situation. Contact us today to explore how we can help you achieve your financial goals.

Recognizing Your Need for Self-Employed Financing

Identifying the right time to seek self-employed loan options is crucial for your business growth and personal financial stability. Benard Guste Powered By Nexa Mortgage is here to guide you through this process. Consider these indicators that our specialized loans might be right for you:

• Your tax returns don't reflect your true income
• You're an independent contractor with variable income
• Traditional lenders have turned you down
• Your business is showing strong cash flow
• You need financing but lack conventional documentation
• You're part of the gig economy or a freelance professional
• Your business is less than two years old

If any of these situations resonate with you, it's time to explore our self-employed loan options. Contact us to discuss how we can tailor a solution to your specific needs.

The Importance of Specialized Self-Employed Loans

Self-employed individuals often face unique challenges when seeking financing. Benard Guste Powered By Nexa Mortgage offers specialized loans designed to address these specific needs. Here's why our self-employed loan options might be essential for you:

• Flexibility in income verification
• Accommodation for fluctuating income patterns
• Recognition of business potential beyond tax returns
• Simplified approval process for non-traditional earners
• Ability to leverage business cash flow for qualification
• Options for those with less than two years of self-employment history
• Solutions for complex financial situations

Our tailored approach ensures that your unique financial situation is understood and accounted for. Don't let conventional lending limitations hold you back. Reach out to us to explore how our self-employed loan options can support your financial aspirations.

Advantages of Partnering with Benard Guste Powered By Nexa Mortgage

Choosing Benard Guste Powered By Nexa Mortgage for your self-employed loan needs offers numerous benefits. Our deep understanding of the local New Orleans market, combined with our extensive experience in finance and mortgage lending, positions us uniquely to serve you. Here's what sets us apart:

• Over 20 years of finance and mortgage lending expertise
• Access to more than 270 lenders for competitive rates
• Loan estimates provided within 24 hours
• Specialized knowledge in self-employed borrower solutions
• Fast pre-approvals with transparent communication
• In-depth understanding of Louisiana housing programs
• Veteran-operated business since 2018
• Self-employed and alternative documentation loans
• Divorce-related mortgage planning

Our commitment to serving self-employed individuals in the Greater New Orleans area sets us apart. Let us put our expertise to work for you. Contact Benard Guste Powered By Nexa Mortgage today to experience the difference of working with a local, dedicated mortgage professional.

Take the Next Step in Your Financial Journey

Your path to securing a self-employed loan starts here with Benard Guste Powered By Nexa Mortgage. We're ready to guide you through the process, offering personalized solutions that align with your unique financial situation. Our team's expertise in self-employed loans, combined with our commitment to exceptional service, ensures you'll receive the support and guidance needed to achieve your financial goals. Don't let your self-employed status hold you back from the financing you deserve. Reach out to us today, and let's work together to turn your financial aspirations into reality.