Lenders don't "look down" on the self-employed. They just need sufficient proof of sufficient income, which can be difficult to get from some people..
It shouldn't be a problem for the self-employed to get a mortgage if you've declared all of your income (to show you can afford the mortgage), have good current documentation of your income, can supply two years of tax returns, and have good credit. You can self-report year-to-date income if you keep spreadsheets or other ledger-type records, in lieu of an accountant's or tax preparer's statement.
I sold real estate for 25+ years and was hands-on in assisting clients in obtaining mortgages. One of the biggest problems was self-employed people who thought they were being smart by "hiding" income from the government! OT, but the most difficult one I ever had took me and the mortgage broker years, literally, to get one couple to establish enough income (on paper; they had it in reality) and enough credit history to get a mortgage. But we finally did it!
The OP sounds in good shape to buy a home! Good luck!
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Edited 1 time(s). Last edit at 07/02/2022 03:14AM by BirdyC.