Terms
Terms of Use
By using The Self-Employed Borrower, you agree to these terms. They’re short, and they say what the guides and calculators are and aren’t.
General information, not advice
The guides explain how lenders usually read self-employed income. They are general information, not financial, tax or legal advice, and not a loan offer or a promise of approval. Every lender sets its own rules, and your own file decides what you qualify for. Talk to a licensed loan officer, your CPA or a lawyer about your situation.
The calculators are estimates
The calculators work only from the numbers you enter. The results are planning estimates, not a quote, an offer or a credit decision.
Accuracy
We work to keep every guide accurate and show its sources and its last reviewed date, but rules and programs change. We don’t guarantee the content is complete or current.
Other sites
Links to lenders and other sites are there for your convenience. We don’t control those sites and aren’t responsible for what they say or do.
Our content
The text, worked examples, charts and images on this site belong to The Self-Employed Borrower. You’re welcome to quote a short passage with a link back; please don’t copy whole guides.
Limits on our responsibility
You use the site at your own risk. To the extent the law allows, The Self-Employed Borrower isn’t liable for any loss that comes from relying on its content or calculators.
Changes and questions
We may update these terms; the version on this page is the one that applies. Questions: support@theselfemployedborrower.com.
Last updated: 30 October 2026.