You Built a Business.
Now Let’s Build Your Home Equity.
Bank statements, P&L, and alternative documentation loans for business owners, freelancers, and self-employed professionals in Knoxville, Maryville & across Tennessee — no traditional tax returns required.
Built for the Way You Actually Work
Traditional lenders rely on W-2s and tax returns — but if you write off business expenses the way most self-employed people do, that picture doesn’t reflect your real income.
4 Ways to Document Your Income
One conversation with Jeff is all it takes to identify which program fits your situation — no guesswork, no confusion.
Use 12 or 24 months of personal or business bank statements to verify income — no W-2s or tax returns needed.
- 12 or 24-month statement options
- Personal or business accounts accepted
- Up to 90% LTV available
- Loan amounts up to $3M
- Primary, second home & investment
Qualify using a 12 or 24-month CPA-prepared Profit & Loss statement — ideal for businesses with strong margins.
- No tax returns or bank statements
- 12 or 24-month P&L period
- Must be CPA or licensed accountant prepared
- Primary & investment properties
- Competitive rates for strong income
1099 earners can qualify using their gross 1099 income — without the tax return deductions dragging down your number.
- 1 or 2-year 1099s accepted
- No full tax return required
- Gross income used for qualification
- Ideal for gig workers & contractors
- Down payments as low as 10%
Have significant assets but minimal reportable income? Divide your eligible assets over a loan period to create qualifying income.
- Retirement & investment accounts eligible
- No employment required
- Perfect for retirees or high-net-worth buyers
- Multiple asset types accepted
- Loan amounts up to $3M
Simple Steps to Your Approval
No piles of paperwork. No weeks of waiting. Jeff runs a streamlined process built for busy business owners.
Alt-Doc vs. Conventional Loans
Understanding what’s different helps you know exactly what to expect going in.
| Feature | Alt-Doc / Bank Statement | Conventional / FHA |
|---|---|---|
| Tax Returns Required | ✗ No — not required | ✓ Yes — 2 years |
| W-2 / Pay Stubs Required | ✗ No — not required | ✓ Yes — required |
| Income Documentation | Bank statements, P&L, or 1099s | W-2s, tax returns, pay stubs |
| Max Loan Amount | Up to $3M | Conforming limit (~$806k in 2025) |
| Credit Score | 620+ (varies by program) | 580+ (FHA) / 620+ (conventional) |
| Down Payment | 10–20% typical | 3–20% |
| Best For | Self-employed, business owners, investors | W-2 employees, traditional income |
| Rate Type | Fixed or adjustable | Fixed or adjustable |
NMLS# 2737554 · Equity Smart Home Loans
A Lender Who Actually Understands Your Business
Most loan officers aren’t trained on alt-doc programs — they default to conventional and turn away perfectly qualified borrowers. Jeff specializes in self-employed lending and finds a path when other lenders say no.
- ✓Alt-doc specialist — deep experience with bank statement, P&L, and 1099 programs across Tennessee
- ✓Creative income analysis — Jeff looks at your full financial picture, not just your Schedule C
- ✓Fast pre-approval — streamlined process designed for busy business owners
- ✓Local East Tennessee expert — serving Knoxville, Maryville, Alcoa, Farragut & surrounding communities
- ✓Transparent communication — you’ll always know where you stand, no surprises at closing
☎ (865) 420-4639
Can Also Access Down Payment Grants?
Jeff’s 100% Down Payment Grant program can be layered with select alt-doc programs — covering your full down payment on qualifying purchases.
Common Questions About Self-Employed Loans
Ready to Find Out What You Qualify For?
One 15-minute call with Jeff is all it takes to know exactly which program fits — and what you can afford. No cost, no obligation, no pressure.
☎ (865) 420-4639
Serving Knoxville, Maryville, Alcoa, Farragut, Lenoir City, Oak Ridge & all of East Tennessee