Self-Employed? Discover How Much Home You Can Afford—Without Tax Returns
Use our free calculator to estimate your lender-qualifying income based on your actual bank deposits—without write-offs
If you're self-employed, 1099, or a small business owner, you already know the challenge—mortgage lenders often look at your tax returns and ignore your real income. We built this calculator so you can see what lenders may actually use to qualify you, based on your monthly deposits and business type.
Who This Is For:
✓ Self-employed borrowers with heavy tax write-offs
✓ 1099 freelancers and independent contractors
✓ Business owners tired of being told “you don’t qualify”
What the Calculator Does:
- Calculates your average monthly deposits
- Applies a lender-appropriate expense factor
- Instantly estimates your qualifying income
- Gives you clarity in under 2 minutes
What Happens After You Get Your Estimate?
Once you’ve calculated your income, you can schedule a free consult with our team. We’ll walk you through your results and help match you with the best-fit mortgage program—often one that traditional banks can’t offer.
Meet Your Mortgage Expert
NMLS# 248755
Licensed in AZ, CA, CO, OK, TX, WA
Salomon Chong is the co-founder of The Mortgage Hub and a mortgage strategist who specializes in helping self-employed professionals, entrepreneurs, and real estate investors secure financing that reflects how they actually earn income. He takes pride in making the home financing process more accessible and straightforward for his clients.
See What Income You Can Qualify With—In Under 2 Minutes
This tool is 100% free, no login required, and built for borrowers like you.
No docs required
No commitment
No credit score impact
Close-on-time guarantee
Q: Do I need to upload any documents to use the calculator?
A: Nope! Just enter your monthly deposit amounts and basic business info.
Q: What’s the catch?
A: No catch—this is the same income method lenders use for bank statement loans. We're just giving you access up front.
Q: What if my income looks low?
A: We can review your deposits and structure your loan differently. Many business owners qualify once we do a full review.
★★★★★
Exceptional professionalism and responsiveness from A to Z. We had a 16 day close on a VA loan - signed loan docs with several days to spare. Felix presented multiple financing options up front in detail - we were able to make quick/informed decisions that best suited our needs. Joe ensured that the loan process moved smoothly and efficiently. Salomon was on vacation but STILL made time to answer our questions and ease concerns given the time sensitively of our contract - just great service overall. HIGHLY recommend. This team delivers!
-Lorenzo L.
★★★★★
The team at the The Mortgage Hub is professional, efficient, and knowledgeable when it comes to the home buying process. Salomon, Joe, and Kristy were responsive to my inquires and made me feel comfortable purchasing my first home. The team moved quickly to close the deal within 19 days. I'm glad that I got to work with this team.
-Paul Gabot
★★★★★
Salomon & his team at Mortgage hub were tenacious from initial conversation till we closed the loan. Salomon was very approachable via text and calls and promptly answered my queries through the process.
It was pleasure to work with Salomon as provided the best rate for my home purchase.
-Jatin Dattani
★★★★★
What a helpful mortgage company! They immediately answered all questions via email or text and even phone calls. personalized service at its best! great rate’s considering the times. Salomon and his team were outstanding and professional and timely. Such a smooth closing it was. Love our new home thank you Morgage Hub!!
-Shelly Kastler-Davis
★★★★★
Salomon was amazing to work with. While he represented the buyer looking to purchase my listing, he could not have been more accommodating. I inundated him with questions and he politely obliged each time! He was extremely knowledgable and I greatly appreciated his timely communication. I would welcome working with Salomon in the future and gladly recommend him to future clients.
-Angi Breidenbach
★★★★★
Exceptional professionalism and responsiveness from A to Z. We had a 16 day close on a VA loan - signed loan docs with several days to spare. Felix presented multiple financing options up front in detail - we were able to make quick/informed decisions that best suited our needs. Joe ensured that the loan process moved smoothly and efficiently. Salomon was on vacation but STILL made time to answer our questions and ease concerns given the time sensitively of our contract - just great service overall. HIGHLY recommend. This team delivers!
-Lorenzo L.
