Self-Employed Borrower Home Loans | Mortgage Consultants Group

Self-employed? Don’t have a W-2? That does not need to stand in the way of your application for a home loan.

At Mortgage Consultants Group, we offer mortgages to self-employed borrowers in Rancho Cordova and throughout CA.

What is a Self-Employed Borrower Loan?

A self-employed borrower loan is a mortgage you can apply for using your bank statements to document your income rather than a W-2.

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This process is necessary if you work for yourself since only traditional employees have W-2 forms.

Self-employed borrower loans are also sometimes called “bank statement loans.”

Is a Self-Employed Borrower Loan Right for You?

You can apply for self-employed borrower loan if you are any of the following:

Self-employed
An investor
A freelancer
An entrepreneur
A business owner

You should apply for this type of mortgage if you are self-employed full-time or part-time. Basically, if you have income that is not reported on a W-2, then you need to use bank statements to verify it.

When you come in for a mortgage consultation with our friendly experts, you can tell us about how you earn your income, and we can let you know if you should apply for a self-employed borrower loan.

Apply Now for a Self-Employed Borrower Loan in Rancho Cordova or Beyond

At Mortgage Consultants Group, we have helped many self-employed borrowers to purchase homes through our bank statement loan process, and look forward to getting you into your new home.

If you have questions about loans for self-employed borrowers or you are ready to apply, please contact us today at (916) 669-1682 to schedule your consultation. We work with customers in Rancho Cordova, Gold River and throughout Sacramento, El Dorado, Placer, San Joaquin, and Stanislaus Counties. We can also serve you elsewhere in California.

Do you know how much home you can afford?

Most people don’t... Find out in 10 minutes.

Get Pre-Approved Today

See What Our Clients Are Saying About Us!

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Namette R.

Brian and his team were knowledgeable and responsive, always available to answer questions and provide updates. Documentation was handled efficiently, and everything stayed on track with the timeline that was initially outlined.

Marcus H.

Brian and Megan were great to work with! They worked through some complicated issues to be sure that we got the best rate and helped us jump through some last-minute hoops to be sure that everything closed on time. I can't thank you enough!

Justin G.

Brian and his team were very responsive and went above and beyond to make the mortgage process easy and stress-free. He took time explaining the closing process, and created tables of possible down payments vs. monthly mortgage to make it clear what the options were. Very friendly and hands-on.

Shaylene G.

The whole team at Mortgage Consultants Group were so helpful in the process of buying our home. We originally reached out to Brian in 2021 and he helped us with direction and options. We weren't quite ready at that time and when we reached out to him again in 2025, him and his team, specifically Kim really took the time to answer all our questions and help us get prepared to purchase a home. This process took about a year, and the team was so patient and supportive. We are so grateful that we are now homeowners and we chose to use Mortgage Consultants Group. Would absolutely recommend, 10 out of 10.

Rod A.

Easy and Swift Brian and his team really worked for me to get the best rate. They suggested different options and their recommendations. Honestly, they made what could have been a tasking and exasperating experience one of the easiest and reassuring experience that we have had in any transaction in a home or even buying a car. NO HASSELS

Mark N.

review I have used Brian Musket’s services many times over the years; he is excellent! I wouldn’t use anyone else. He is extremely professional and shows a lot of patience during this overwhelming process buying a home. I would highly recommend anyone buying a home to use Brian has their lender.

Niamh A.

I recently worked with Brian Musket, Branch Manager at Mortgage Consultants Group, and his loan processor Kim DeSanto, and I couldn’t be happier with the experience. I had a tricky scenario that required careful timing and decisive action, and they handled everything flawlessly. Brian and Kim were incredibly responsive, insightful, strategic, and kind throughout the entire process. They kept me informed at every step, anticipated what needed to happen next, and made sure I felt supported and confident the whole way through. This was truly the best loan experience I’ve had to date, and I felt completely in great hands from start to finish. I highly recommend Brian, Kim, and the entire Mortgage Consultants Group team, and I genuinely look forward to working with them again in the future.

Adam J.

MCG set up my loan and there was very little hassle. They walked me through the process start to finish and made sure I had everything I needed to finish the process. Recommended!!

deanna T.

Brian and his team go above and beyond to take care of me and my family. They are helpful, kind, and very knowledgable. If you have a problem, they will listen intently and troubleshoot accordingly. I cannot recommend them enough!

Travis B.

I truly can't think Brian and Kim enough for how much they helped me with the purchase of my home. They took the time to understand my financial situation and presented a variety of options to help me with my purchase. They were very responsive to all my questions and helped me close my property very quickly. I would definitely work with Brian and Kim again in the future!

Christina Q.

Brian and Kim were nothing short of amazing! Brian is very detail oriented and explained things in a way I could understand. He was patient and followed up on every detail and question. I will definitely continue working with him and his team. He listened to what I needed and ensured I was comfortable thru the process. I am forever grateful for his insight

Verita R.

Both Brian and Kim were excellent to work with. They gave me several options and I didn't feel pushed to go a certain way. This is like my third loan through Brian. They were both the Best of the Best and I would never go anywhere else as long as they were around. Very Professional, caring and friendly people who really care about you and all of your needs. I would highly recommend both of them over and over. I have friends that I recommended to them who were also very pleased. Thank you both so very much!!

George Haymaker I.

I actually asked these guys if I could do a review, that's how amazing they are, I normally don't go out of my way to do reviews. But these days, personalized, caring service is hard to find, not to mention finding anyone that will go above and beyond for you. This is OLD FASHIONED service the way it used to be (I'm dating myself), but in all seriousness it's almost impossible to find the kind of service Brian and Kim provide anymore. They have now helped me with three transactions, and there was some difficulty with my situation in two of them, but they kept at it until they got all the deals done. I can be a pain in the butt as a customer and expect to be treated right, but these guys exceed my expectations and that's almost impossible to do. Use them!!!

Ed A.

Brian and every member of his team are very professional and prompt. They kept me informed throughout the process and made sure to set right expectations. I am satisfied with the service I have received and definitely recommend them.

Peter E.

Brian Musket and his team are extremely professional. Brian is a great communicator and his attention to detail during the entire process was fantastic. Brian’s integrity, knowledge of the industry, customer service and solutions orientated approach provided the foundation for a great experience during the loan process.

Danyel J.

My experience working with Brian Musket and his team was grate, Me and my family spent a lot of time waiting to find a good team to work with and the wait was worth it, they helped me on every step and was always there when I had a question or anything else. I highly recommend Brian musket and team thanks again.

Greg L.

Thank you so much Brian and Kim for all that you did for me in helping me buy my rental home. I would highly recommend you guys to anybody in need of your services. Thanks again!

Sierra D.

Brian and his team are the most amazing ever! They went above and beyond for me. Brian is so detailed oriented and cares about every little thing to get you in the best scenario possible. This is someone you can trust and who you want behind you when doing something so big in your life. I can not recommend him enough. Thank you Brian!! Here is my review for my refinance experience a year later: Brian and Kim were absolutely incredible! They made our refinance experience so easy, and they were incredibly knowledgeable in order to point us in the right direction. They saved us so much money and answered all of our questions no matter how busy they were. This is the true definition of great customer service!!! Thank you Brian and Kim for everything!!

Brad C.

Excellent customer service. Very responsive and helpful. Highly recommend!!

Joseph S.

Brian, Kim, and Mitzie all did an amazing job on helping my wife and me purchase our first home. I would recommend them to any, and everyone and appreciate all the hard work they put into our process! Thanks guys!

Brian M.

Fantastic people and GREAT SERVICE! Love working with these people. Thank you!

Steven P.

They were great on explaining everything and was always there for any questions I had.

Russell C.

Really felt like the team was on my side and were always available. For a first time experience I don't think it could have gone better thanks to Brian and team!

Lusine A.

Smooth and easy, he is very knowledgeable and ready to help every way possible. His whole team is the dream team.

Adiyath Jayaprakash

I really appreciate Brian, Katie, and Mitzi, the way they have communicated. I really impressed with their dedication on my loan processing. I am truly grateful for all their help..

D Ruggiero

I explained my goals and was presented with multiple options. Brian and his team made the process stress free and was well executed. Any questions or concerns I had were quickly addressed.

Joye Cooks

As a new homeowner, there’s a lot of terms and processes that I don’t understand but with Brian Musket and his team, I immediately felt comfortable and trusted them through the process. I’ve recommended Brian to several people since buying my home.

Kristine Suchan

Brian, Katie, and Mitzi were all terrific to work with. Always responsive and addressed my questions and concerns immediately. I always was informed of each step and what to expect next. Thank you for helping me get the home I wanted and in less than 30 days!

PatriciaMartin9

All went smooth and as expected, with a minor delay in final signing but not a result of anyone or anything on Brian's Team. I have no other comments on this.

Self-Employed Borrowers in California

What is a Self-Employed Borrower Loan?

Is a Self-Employed Borrower Loan Right for You?

Apply Now for a Self-Employed Borrower Loan in Rancho Cordova or Beyond

See What Our Clients Are Saying About Us!