Self-Employed? The Mortgage Firm can help you. When self-employed or commissioned it is more difficult to be approved by banks. We offer programs that make it a problem of the past. These programs are our stated income programs where income verification is not needed. Simply state your income and we do the rest. How is this possible? The lender is aware of the risk entailed in such a program and is willing to take a chance on the borrower. They look at their credit score and their spending pattern and if it makes sense with what the borrower has stated then they feel safe enough to give them an approval.