AI Mortgage Advisor for self-employed borrowers
Built for business owners, 1099 earners, freelancers, and complex-income borrowers who don't fit a traditional bank's mold — bank statement, DSCR, P&L, jumbo, VA, HELOC and more.
The mortgage platform for self-employed & non-W2 borrowers.
Traditional banks and most nonbank lenders only know how to read W2s. UPM is built around the borrowers they keep saying no to — business owners, 1099 earners, investors, and complex-income professionals.
Bank statement loans
Qualify using 12–24 months of personal or business bank statements instead of tax returns — ideal for business owners with strong cash flow.
1099 borrower loans
For contractors and independent professionals — qualify on 1099 income without the W2 paperwork hurdles.
P&L only loans
Use a CPA-prepared profit & loss statement to qualify — built for established self-employed borrowers with complex returns.
DSCR loans
Investment property financing qualified on the property's rental income — no personal income docs required.
Jumbo loans
Loan amounts above conforming limits with flexible underwriting for high-income, self-employed, and complex-profile borrowers.
VA loans
Veteran and active-duty borrowers — including self-employed vets who've been turned away elsewhere.
ITIN & foreign national
Mortgage paths for borrowers without traditional credit profiles or U.S. citizenship documentation.
Second-look reviews
Denied by a bank or another lender? We'll review your file against programs banks don't offer.
Checking eligibility with UPM will not affect your credit score.
Program availability and qualification depend on borrower profile, property, credit, income, equity, and lender guidelines.
Start with your goal.
UPM Mortgage Guide helps you understand the path that may fit your situation.
Buy a home
Explore purchase options, down payment paths, and what you may need to get ready.
Refinance
See if refinancing may help lower payments, change terms, or unlock cash.
Use home equity
Estimate equity and compare HELOC, home equity loan, and cash-out refinance options.
Self-employed mortgage
Business owner, freelancer, or 1099 earner? Explore paths beyond standard W2 income.
Denied by a bank
A denial doesn't always mean you're out of options. Get a second-look path based on your profile.
Home improvement
Planning a renovation or repair? See which financing options may fit your project.
Get the cash you need — without leaving home.
Find your HELOC rate in minutes.
- 100% online application, 5 minute pre-approval
- Funding in as few as 5 days for loans under $400k
- Fixed and variable rate options available
- Checking your rate won't impact your credit
Adjust the sliders to see an estimate based on 80% of your home value.
*Estimate based on borrowing up to 80% of current home value. Final amount depends on credit, DTI, and program guidelines.
Complete the online application
No in-person appraisal needed for loans under $400k. Prequalification won't affect your credit score.
Get approved in 5 minutes
Borrow from $15,000 to $750,000 with a one-time origination fee. Funding in as few as 5 days.
Option to redraw up to 100%
Take advantage of the option to take additional draws as needed over your draw period.
An AI mortgage guide that asks the right questions.
Instead of long forms, the guide learns your goal, explains your options, and helps prepare your file for expert review.
- Understands your goal
- Asks only the right questions
- Explains mortgage terms simply
- Shows possible paths
- Helps prepare for expert review
- Works for complex borrower situations
From confusion to clarity in four steps.
Tell us your goal
Answer guided questions
See possible paths
Talk to an expert
Clarity, on demand.
Tap any topic — the AI guide explains it in plain English.
Start with a smarter mortgage conversation.
Tell us what you're trying to do and the UPM Mortgage Guide will help you understand possible next steps.