We’ll match you with programs that work for untraditional income to help you qualify for your home purchase.
No jargon · No pressure · Just a real person helping you get your first keys
“Finally, someone who picked up the phone.”
“Closed in 18 days. They meant it.”
“Made it easy when I thought it would be impossible.”
Pre-approved on day one
A self-employed borrower is anyone who earns most of their income from their own work instead of a W-2 paycheck: business owners, freelancers, gig workers, contractors, and 1099 earners. Lenders also usually treat you as self-employed if you own 25% or more of a business. Your income may be strong, but tax write-offs can make it look smaller on paper, which is why the loan you choose and how you document your income matter so much.
We’ll help you find the best way to show your income, choose the right loan, and avoid surprises in underwriting.
Share your business type, how long you’ve been self-employed, and what you have on hand: tax returns, bank statements, or a profit and loss statement. We’ll tell you which path makes sense.
We compare traditional and alternative-documentation lenders side by side, so you can see the trade-off between paperwork and rate.
Choose your loan and we’ll package your documents the way underwriters want to see them. You’ll always know who to call.
We’ll prep you for every dollar due at closing, so your business finances and your new home both stay in good shape.
Self-employed borrowers have more options than most banks mention. We’ll help you choose between the lowest rate and the simplest paperwork.
Qualify using 12 or 24 months of personal or business bank statements instead of tax returns. Ideal when write-offs make your taxable income look lower than what you really earn.
If your tax returns show your income well, conventional is often the most affordable path. Most lenders look for two years of self-employment history.
More flexible credit guidelines and a lower down payment, with full income documentation. A solid option if your credit is still catching up to your income.
People consistently say the same things: it finally felt straightforward, they understood their options, and they weren’t treated like a number.
Just completed our refinance and it was a breeze! Megan and Jacquie are an amazing team! They are smart, hardworking, caring and knowledgeable!…
Olga G.
I had a truly wonderful experience working with HappyDog. From the very beginning, the team was professional, helpful, and prompt in guiding me through…
Jenny U.
If I could give Marci and Tori 10 stars I would! They were so friendly and easy to talk to. You can tell they enjoy helping people and that’s what makes them so good at their job!
RyAnn G.
Mike McKee, excellent service. His patience helped me to walk through the homebuying process with ease. He was available whenever I contacted him…
Althea O.
Great experience overall! Jason always kept us up to date and communicated regularly and is very good about replying quickly to questions.
AD A.
OMG!!! Mike Mckee is phenomenal…I worked with him for almost 2yrs..I had lots of issues prior to opening and he continued to reach out to me and stay in contact…
Valerie S.
HappyDog was easy to work with and highly responsive during our escrow process. I highly recommend them.
Taylor M.
Mike McKee’s professionalism and efficiency are truly impressive. He seamlessly guides clients through the lending process with his expertise…
Edward K.
Tori was amazing! She was providing several options for our budget for us to review and explained pros and cons with each option…
Rio B.
We can’t say thank you enough to vinnie, Lisa, and the whole team at happydog home loans! They made the whole process simple and straight forward…
Mariah H.
We had an absolutely amazing experience working with Happy Dog Lending while buying our first home! As first-time buyers, we had a lot of questions…
Ursula T.
Great response time, easy formatting and uploading documents. Always kind in our interactions VERY patient…
David B.
Been told your income is “complicated”? Start here.
No. You can see where you stand first, with no hard credit pull. We only run a full credit check when you’re ready to move forward.
No. You’ll talk to the same person the whole way through. That’s not a nice-to-have. That’s how we work.
Every fee is tracked and explained before you get to the closing table. You’ll know exactly what you’re paying and why.
That’s fine. We can show you where you stand with no pressure to move forward. Sometimes knowing what’s possible is the first step.
Self-employed, freelance, or complicated income doesn’t mean worse options. It means you need someone who gets it. That’s us.
See where you stand in a few minutes. No credit hit, and it doesn’t commit you to anything.
