Self-employed or a gig worker? We got you covered.
Creative solutions catered to those with non-traditional income.
Get your rate today

We help with income verification

Traditional income verification can be challenging for self-employed borrowers. Lotly uses a number of novel income verification methods and offers stated income mortgages.

It’s easy to collect documents

Lender document requirements for self-employed mortgages can be overwhelming. We’ve built tools and systems to make document collection easy for you.

It’s easy to collect documents

Lender document requirements for self-employed mortgages can be overwhelming. We’ve built tools and systems to make document collection easy for you.

We offer creative tax strategy

We can help you understand the net financial impact of using tax deductions to minimize income while paying a higher mortgage rate. Already have an accountant? We can connect with them!

Lotly mortgage is for you

Lotly is a market leader in novel approaches to verify self-employed income.

Traditional income

If you are able to provide traditional income verification via tax documents, you will have very similar options to borrowers who are employed.

Non-traditional income

If you use personal tax reduction strategies, we can confirm your income using your business financial statements and bank account cash flow analysis.

Stated income

If you are unable to verify your income but have high credit, we may be able to arrange a self-declared income mortgage for you.

Work with us and see it for yourself

Lotly mortgage

No fees
Lotly mortgage brokering services are completely free to use. We get paid by lenders based on the mortgage amount.
Catered to you
We work with you to provide a creative solution for your unique situation.
Flexible availability
Life can get busy, especially if you have a business to run. We are available when you need us.

Other brokers

Up to 3% brokerage fees
Most brokers will charge a fee when handling unique mortgage requests.
Cookie-cutter solutions
Major brokerages may attempt to fit you into a pre-existing solution to be cost efficient.
Limited availability
You may need to cater to their office hours, limiting timely accessibility when you need them.

Questions? We have answers.