FHA Profit & Loss Loan Program
Our FHA Profit & Loss Loan Program is designed for self-employed borrowers who may qualify using their business financial statements instead of traditional tax return income documentation. Whether you're purchasing a home or refinancing, we can help determine if this program is the right fit for you.
Who May Qualify?
Self-employed borrowers
Business operating for 2 years or more
Minimum FICO Score: 640
U.S. Citizens or Permanent Residents (Green Card Holders)
Required Documentation
To determine eligibility, borrowers will need to provide:
Financial Documents
- Self-Prepared Profit & Loss Statement – 2024
- Self-Prepared Profit & Loss Statement – 2025
- Year-to-Date (YTD) Profit & Loss Statement
- Year-to-Date (YTD) Balance Sheet
Business Documentation
CPA Letter verifying:
- Ownership percentage
- Business is active and operating
- Business age of 2 years or greater
Business Information
Please provide:
- Business Name
- Business Address
- Business Phone Number
- Industry/Type of Business
Borrower Eligibility
Applicants must be:
- U.S. Citizen
- Permanent Resident (Green Card Holder)
Why Choose This Program?
Our FHA Profit & Loss Program offers an alternative income documentation option for qualified self-employed borrowers.
Benefits May Include:
- Competitive FHA financing
- Flexible income documentation
- Available for purchase and refinance transactions
- Designed specifically for self-employed professionals and business owners
- Personalized guidance throughout the loan process
All loans are subject to credit approval and FHA guidelines.
Ready to Get Started?
Our mortgage specialists are here to review your financial documents and help determine your eligibility.
Contact us today for a free consultation and personalized pre-qualification.
Call: 800-506-0860
Email: info@ameriloans.us
Apply Online
Self-Employed? You May Qualify for an FHA Loan Using Your Profit & Loss Statements.
Minimum 640 FICO • Business Operating 2+ Years • Fast Pre-Qualification