Self-Employed Mortgage Options in Arkansas

Navigating Home Loans for Self-Employed Buyers in Arkansas

If you’re self-employed in Arkansas, securing a mortgage can feel like an uphill climb. Fluctuating income, complex documentation, and non-traditional tax filings can make it tough to qualify with conventional lenders. At Mortgages by Scott, we understand the unique needs of entrepreneurs, freelancers, and small business owners. We’re here to provide self-employed mortgage options tailored to your financial profile—making the process as smooth as possible.

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Self-Employed & Investors

Why It’s Different for the Self-Employed in Arkansas

Arkansas is home to a growing number of small businesses, independent contractors, and gig workers. Unlike W-2 employees, self-employed borrowers often report lower taxable income due to deductions and write-offs. That’s where we come in. With a variety of mortgage products designed for business owners, we take a personalized approach to help you qualify—without the traditional roadblocks.

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Flexible Mortgage Options Available

At Mortgages by Scott, we offer home loan solutions specifically created for self-employed borrowers throughout Arkansas, including:

Solutions for Entrepreneurs

Smart financing for entrepreneurial income.

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Jumbo & Luxury Financing

High-value home loans with flexible guidelines for established earners.

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30-Year Fixed Mortgage

Stable payments with long-term predictability and competitive rates.

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Adjustable-Rate Mortgage

Lower initial rates with flexibility for short- to mid-term homeowners.

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FHA Mortgage Financing

Accessible homeownership with lower down payment options.

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$0 Down Mortgage Programs

Purchase with little to no upfront cash for qualified buyers.

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USDA Rural Financing

Affordable home loans for eligible rural and suburban properties.

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VA Mortgage Home Loans

Exclusive benefits for veterans and active-duty service members.

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DSCR Loans for Investors

Qualify for financing using the property's income, not your personal income.

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1099 Mortgage Options

Flexible mortgage options designed for self-employed and 1099 earners.

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Bank Statement Loans

Qualify for financing using the property's income, not your personal income.

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Documentation Help—Start to Finish

Getting approved for a mortgage in Arkansas while self-employed can require extra paperwork. We’ll help you organize the necessary documents, such as:

1–2 years of business and personal tax returns
Profit and loss statements
Business licenses or incorporation documents
Bank statements
Asset documentation (if applicable)

Our team walks you through it all, helping ensure your file is complete and accurate before it goes to underwriting.

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Why Choose Mortgages by Scott

Over 20 years of experience working with self-employed borrowers
Access to traditional and non-traditional mortgage programs
Digital tools like our MyHomeLoan app to track your loan process
Licensed to serve buyers throughout Arkansas and across the Southeast

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Local Insight, Regional Expertise

Whether you’re buying in Little Rock, Fayetteville, Hot Springs, or a quiet rural town in the Ozarks, we understand Arkansas’ housing market and lending landscape.

We’ll match you with the best self-employed mortgage program for your situation—backed by personalized service and local knowledge.

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Self-Employed Jumbo & Luxury Investors About Reviews Contact

Scott Hastings, NMLS #926762
Arbor Financial, NMLS #236669

Licensed in NC, SC, FL, GA, VA, AR, IN, NH, MD, MT, NV

Equal Housing Lender. All loans subject to credit and property approval.