Your Bank Wants W-2s.
We Don't.
Home loans designed for full-time content creators and self-employed earners. Qualify with bank deposits, a CPA-prepared P&L, or your assets — no tax returns required. Just one year of self-employment is enough.
- Bank statement qualifying
- Just 1 year self-employed OK
- P&L-only programs
- Asset-based qualifying
- Loan amounts to $3M
- Primary, 2nd home, investment
- No tax returns required
- Confidential & judgment-free
See If You Qualify
30 seconds · No credit pull · No obligation
By submitting your information you agree to the terms of our Privacy Policy and Terms & Conditions. You acknowledge that you are providing prior express written consent for CreatorHaus Home Loans to contact you via email, phone, or SMS regarding your inquiry. Consent is not a condition of service. Equal Housing Lender.
Four Ways to Qualify — Without Tax Returns
Whether your income shows up as platform deposits, a clean P&L, or a brokerage account, we have a program that sees you as you actually are: a working business owner.
Bank Statement Loans
Qualify on your real cash flow. We average 12 or 24 months of personal or business bank deposits to calculate qualifying income.
- 12 or 24 months of statements
- Personal or business accounts
- Loans up to $3M
- Up to 90% LTV
- Primary, 2nd home, investment
- No tax returns ever requested
P&L Loans
A CPA-prepared profit & loss statement is all we need. Ideal for creators with clean books and a tax preparer who knows the score.
- CPA-prepared 12 or 24 mo P&L
- No bank statements needed
- Loans up to $3M
- Up to 85% LTV
- Fastest doc list of any program
- Great for high-deduction earners
Asset-Based Loans
Qualify on what you've saved, not what you earn. We divide your liquid assets into a monthly qualifying income — no employment story required.
- Use savings, investments, crypto*
- Asset depletion underwriting
- Loans up to $3M
- No income documentation
- Perfect for between-projects creators
- *Crypto on case-by-case
1-Year Self-Employed
Just one year on your own? You're not stuck waiting two. Combine 1 year self-employment with our bank statement or P&L programs.
- Just 12 months self-employed
- Pairs with bank statement / P&L
- Loans up to $2M
- Up to 85% LTV
- No prior W-2 required
- First-time buyers welcome
A Lender That Actually Gets You
Traditional banks see "self-employed" and start asking for two years of tax returns, three years of W-2s, and a letter from your accountant. We see you as a business owner — and underwrite accordingly.
Judgment-Free Underwriting
Your income source is your business. Our loan officers don't blink — and your file is reviewed by underwriters who specialize in non-QM lending for creators and online entrepreneurs.
Discreet & Confidential
Limited file access, secure document portals, and loan officers trained on creator privacy. Your application stays between you, your LO, and the underwriter — period.
Built for Creator Income
We understand platform payouts, processor holds, fan club subscriptions, and the income smoothing creators need. We don't kick out "lumpy" deposits — we expect them.
1 Year Is Enough
Most lenders demand a two-year self-employment history. We have programs that accept just one — so you can buy when you're ready, not 12 months later.
Fast, Honest Closings
Non-QM loans typically close in 21–28 days at CreatorHaus. No surprise condition lists at day 25 — we tell you what's needed upfront and stick to it.
Licensed & Compliant
Fully licensed mortgage broker. Every loan is compliant, every disclosure delivered on time, and every borrower protected by federal and California lending law.
From Inquiry to Keys in 3 Steps
No tax returns. No awkward conversations. No "can you explain this deposit" emails for the rest of your life.
Tell Us About You
30-second form — no credit pull, no obligation. We learn the basics: what you want to buy, where, and how much income you're working with.
Get Pre-Approved
We match you to the right program (bank statement, P&L, asset-based, or 1-year SE), pull credit, and issue a real pre-approval — usually in 48 hours.
Close & Get the Keys
We handle the underwriting, the appraisal, and the closing. Most CreatorHaus loans fund in 21–28 days. Then you get the keys.
From Creators Like You
Names changed at our clients' request — but the deals are real. Every review verified at closing.
"I'd been turned down by two banks who didn't know what to do with my 1099 income. CreatorHaus looked at 12 months of deposits and got me into a 2-bed in West Hollywood. Closed in 23 days. Nobody made it weird."
"My CPA had clean P&Ls but my tax returns made me look broke (the write-offs!). CreatorHaus used the P&L only, qualified me at my real income, and I bought my first place at 27. Three other lenders said no."
"I'd only been full-time for 14 months and every lender wanted 2 years. CreatorHaus had a 1-year program that paired with bank statements. Done. They actually explained why my income worked instead of just rejecting me."
"Took a break from posting to travel for a year — bank statements wouldn't work. They used my brokerage account as asset depletion and got me approved on a 2nd home in the desert. Genuinely felt like they were on my side."
"I've been doing this for 5 years and I've never had a loan officer who didn't pause when I described my work. CreatorHaus just asked about deposit patterns and reserves. Refreshing. Closed in 26 days."
"Cash-out refi on a duplex I bought 2 years ago. Pulled $180K to put into the next deal. The whole thing was email, DocuSign, and one notary visit. Felt like a real lender — not a hard money trap."
California Today — More States Soon
We launched in California to do one thing exceptionally well before expanding. Drop us your info and we'll notify you the day your state opens.
FAQs for Self-Employed Creators
Everything traditional banks won't explain — straight answers from creator-friendly lenders.
Ready to See What You Qualify For?
30-second form · No credit pull · No judgment · A real answer
Get Pre-Approved →