Self-Employed for Just One Year? You Can Still Qualify for a Mortgage. Self-employed for just one year? You can still qualify for a mortgage. I often meet clients who became self-employed after a career change, a move to freelancing, or starting their own business. Many are told by other lenders that they need two years of self-employment income. That is not always the case. We work with self-employed borrowers who have only one year of self-employment income. There are two p
