Self-employed individuals can still qualify for mortgages, although the process may require more documentation for income verification. Lenders assess capacity to repay, credit history, and home value, similar to traditional borrowers. Self-employed applicants must provide two years of tax returns and may need additional documents like profit and loss statements. They can access the same loan programs as others, such as Conventional and FHA loans. To improve approval chances, it's advisable to maintain clean records, save for a down payment, and manage debt effectively.