Self Employed - For individuals that are self-employed, getting a mortgage isn't always easy. We have programs available that are tailored to self employed individuals. These programs generally have a different requirements for proof of income than conventional mortgage programs. If your credit is good, you may qualify with as little as 5% down! Most lenders will require that you have been self-employed for more than two years and be able to show that you have enough income or cash-flow to support the payments.