X2 Mortgage provides specialized self employed mortgage loans designed for borrowers who don’t fit the traditional W-2 income model. Whether you're a freelancer, independent contractor, gig worker, or small business owner, qualifying for a home loan can be challenging. That’s why we offer flexible lending options that use bank statements, P&L statements, 1099 income, and alternative documentation, making the approval process easier and more accurate for self-employed borrowers.