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:

• Our Bank Statement Loans allow you to qualify without tax returns by using 12 to 24 months of business and personal bank statements for verification.
• 1099 Income Loans provide simplified approval for contractors who receive 1099 forms rather than W-2 wage statements.
• The P&L Loans let you use a CPA-prepared profit and loss statement instead of tax returns to substantiate your income.
• With our no tax returns or pay stubs required option, you can move forward even if your documentation is unconventional or you prefer nondisclosure of tax returns.
• We offer qualification based on deposits and cash flow, enabling you to show your financial strength even if your reported income differs from actual cash flow.
• You may choose between 12- or 24-month P&L statement options to fit your business’s financial rhythm and reporting habits.
• Our fast processing with flexible underwriting ensures we move quickly and adapt to real business scenarios as you pursue self-employed loans.
• We provide solutions for those seeking self employed loans in New Orleans, LA even if they have less traditional documentation or income patterns.
• Our programs are well suited for entrepreneurs looking for self-employed loans designed around real-world cash flow rather than strict tax return thresholds.
• Because we understand the local market, our offerings for self employed loans in New Orleans, LA are tailored to your area, enabling you to leverage our local expertise.

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 loans in New Orleans, LA might be essential for you:

• Self-employed individuals often have variable income, which can make qualifying for conventional mortgages challenging under standard guidelines.
• Without specialized programs, lenders may penalize fluctuations in your business revenue, even if your overall cash flow is strong.
• These tailored loan products allow you to document your income using more flexible metrics—like bank statements or profit and loss statements—rather than strictly relying on tax returns.
• Because many entrepreneurs have complex or nontraditional financial situations, specialized programs help ensure your application is assessed fairly and holistically. 
• Working with a lender experienced in self employed loans in New Orleans, LA gives you access to underwriting practices that understand local market nuances and the distinctive financial realities of self-employment. 
• Such specialized loans can reduce the risk of your mortgage application being declined simply due to an unconventional income pattern.
• These programs also help preserve your privacy and business continuity by allowing income verification without disclosing every line of your personal tax return. 
• When you partner with a firm versed in self employed loans in New Orleans, LA, you benefit from tailored advice, more realistic qualification thresholds, and insight into the local real estate and business climate.

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:

• You gain access to more than 270 lenders, giving you a wide range of mortgage options designed to fit your unique financial goals.
• We deliver loan estimates within 24 hours, helping you make confident decisions quickly and stay competitive in today’s housing market.
• Our team brings over 20 years of finance and mortgage experience, ensuring expert guidance and a smooth process from application to closing.
• You’ll benefit from our deep familiarity with Louisiana housing programs, allowing us to match you with incentives and savings opportunities you may not know about.
• We offer fast pre-approvals with transparent communication, keeping you informed and stress-free throughout every stage of the mortgage journey.
• We provide expert support for self-employed borrower solutions, helping entrepreneurs and independent professionals access flexible loan options that reflect their real financial picture.
• As a local and veteran-operated operation, we understand your community’s needs and are proud to serve clients with integrity and personalized care.
• We are skilled in divorce-related mortgage planning, helping clients navigate complex transitions with clarity, compassion, and financial stability in mind.

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 self employed loans in New Orleans, LA 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.