Self-employed mortgage documents in California
Quick answer: Self-employed and buying in California? Plan on tax returns, all pages. Two years is the usual start. K-1s if you have a partnership or S-corp. Bank statements for assets. These are documents, not a shortcut or a new loan product. Missing K-1s stall underwriting, so send them up front.
If you own the business, W-2 stubs will not carry the file. I need the returns. I need the K-1s when they exist. I need statements for the accounts that pay the down payment. That is the start, in San Diego County and Riverside County, same as anywhere we originate in California.
What to send first
- Federal tax returns, all pages, typically two years. Personal returns. Business returns if you file them. Include schedules. Blank pages stay in the PDF.
- K-1s. Partnership or S-corp income shows up on K-1s. Missing K-1s stall the file.
- Bank statements. Two months for assets is the usual start. All pages. Large deposits need a paper trail. Statements are documents. They are not a magic qualifying product on this page.
- Photo ID and the rest of the pre-approval documents list.
Year-to-date profit and loss, CPA letters, and business-use-of-home add-ons show up when the returns need them. I will ask if the file needs them. I will not tell you to add income back on a napkin.
What this page is not
This is not a new self-employed loan. It is the document stack. Conventional, FHA, VA, and jumbo still use loan amount, occupancy, credit, and the property. The 2026 San Diego County 1-unit high-cost conforming line is $1,104,000. Baseline is $832,750. Above $1,104,000 is generally jumbo. See loan limits and jumbo loan San Diego.
FHA typical down is 3.5%. VA with full entitlement is not capped the same way. Start the file at get pre-approved San Diego. FHA path: FHA loan San Diego. VA path: VA loan San Diego.
Left Coast Leaders, Inc. NMLS 2394495. Amir Nurani NMLS 197458. Call (619) 366-9494.
Frequently asked questions
That is the usual start. All pages, plus K-1s if you have them.
It reports your share of partnership or S-corp income. Send it with the returns.
No. Here they document assets and context.
Sometimes, if occupancy and documentation fit.
Own the business and ready to send returns?
Upload tax returns, K-1s, and statements. We will tell you what else the file still needs.
Get Pre-Approved(619) 366-9494 · Amir Nurani · NMLS #197458
Left Coast Leaders, Inc. · NMLS #2394495 · DRE #02191517 · Equal Housing Lender · San Diego County and Riverside County · San Diego, CA