Self Employed Loans
Mortgage for self employed clients in Maine
Yes. I arrange mortgages for self employed Maine buyers using tax returns or eligible bank statement and 1099 documentation, depending on the program.
Yes, I do self-employed mortgages in Maine, and in Florida too. I review primary and second home financing in Maine and Florida.
Travis Penny, Mortgage Broker, NMLS 1649161, Vision Mortgage, LLC NMLS 1286953. NMLS Consumer Access
Reviewed by Travis Penny, NMLS 1649161
Last reviewed October 13, 2026
Can I get a mortgage in Maine if I am self employed?
Yes. I arrange mortgages for self employed clients in Maine using tax returns or, when appropriate, other documented income. I compare mortgage loans for self employed clients using bank statements or 1099 forms with standard financing before suggesting a path.
All loans are subject to credit and underwriting approval. Not all applicants will qualify. Program terms and availability can change. This page is for general education and is not a loan offer or a commitment to make a loan. Travis Penny, NMLS ID #1649161, is a mortgage broker with Vision Mortgage, LLC, NMLS #1286953. Equal Housing Opportunity.
Bank statement loans
Qualify based on deposits over 12 or 24 months instead of tax returns.
1099 programs
Use your 1099 income directly with simplified expense factoring.
Tax return review
I compare standard financing when your documented income supports it.
How I review self employed income
A business owner's taxable income can differ from the money coming into the business. I review the returns and supporting records before deciding whether a deposit based or 1099 program deserves a closer look. The buying steps are the same as anyone's, and I lay them out in how to get a mortgage in Portland, Maine. Self employed buyers at higher price points can compare a jumbo loan in Florida, and I keep local notes as a Bangor mortgage broker.
One person, start to finish
You deal with me from the first call to the closing table, not a call center. I'm an independent broker, so I shop your file with multiple lenders instead of fitting you into one bank's menu. Call or text 207-615-7770.
Travis Penny is a licensed mortgage broker (NMLS #1649161) with Vision Mortgage, LLC (NMLS #1286953), based at 352 Warren Avenue, Suite 6, Portland, Maine. He brokers FHA, VA, USDA, conventional, jumbo, and self employed home loans for buyers in Maine, plus DSCR investor loans in the states listed on my Licensing page. Started in 2004 and I'm still here. Call or text (207) 615-7770.
What I'll need to look at
- The last couple years of business and personal tax returns
- Recent business and personal bank statements
- How your business is structured (sole prop, S corp, LLC, etc.)
- What kind of property you're buying and your rough timeline
Moving your business to Florida
If your plans include Florida, read my self employed mortgage options in Florida. The property and your documentation determine which programs are worth comparing. ITIN loans, FHA with self employed P&L and FHA with written VOE are Florida only, not Maine programs.
Compare the documentation paths
A previous application does not settle every available program. Compare bank statement loans, 1099 mortgages, and other specialty loans. Tell me about your file and I will review the records you have.
Frequently asked questions
Can self employed buyers get a mortgage in Maine?
Yes. I compare tax return, bank statement and 1099 documentation depending on the client's records and the property.
What documents do you need to look at?
The last couple years of business and personal tax returns, recent business and personal bank statements, how your business is structured (sole prop, S corp, LLC), and what kind of property you're buying with your rough timeline.
What if my tax returns do not reflect my business activity?
I can review eligible deposits and documented contract income alongside standard financing. The available path depends on the full file.
Should I ask about other programs after a declined application?
Yes. I can review your documents against available programs without assuming that a previous decision predicts the next one.
Keep exploring
Not sure which loan fits?
Answer seven quick questions and I'll point you to the right program.
Want a real human to walk you through this?
I'll lay out your options in plain English. No pressure, no scripts.