Are there lenders that evaluate a self-employed persons income by client references?I've been self-employed as a software developer for 13 years, I have great credit (800+ FICO) and there is high demand for my services but I"m having trouble getting a loan because I've taken time off over the past couple of years to work on apps and other projects, making my income low. Are there any lenders out there that take references and client demand into consideration rather than just averaging the last two years tax returns? August 07 2012 - Seattle00YesReport a ProblemProblemSelect oneOffensive contentIrrelevant contentSpam (pure self-promotion)OtherDetailsYour emailPlease enter a valid email address.Submit CancelContent flaggedWe will review this content. Thanks for helping make the site more useful to everyone. To learn more, read Zillow's Good Neighbor Policy.We're sorry. This service is temporarily unavailable. Please come back later and try again.