I am wanting to apply for a home loan but have limited employment history because I was disabled

If you have disability income you will be able to use that for qualifying purposes. In order to use your self employment income you will need 2 years of tax returns to verify the income. Good Luck!

I'm going to reinforce the other comments here, but also hope to give you a little more hope. Yes, it is a 2 year employment history required to count your self-employment income for standard conventional and government loans; to clarify, though, it's 1 full year on tax returns and two years of third-party verification of the business...so a business or occupational license would be requested. Underwriting will want to average two years of income, though, so keep your profit & loss statement up to date. As for additional hope, I have access to a few local portfolio lenders who may consider an employment scenario like yours after 1 full year on your tax returns, a profit & loss and strong evidence your income will be the same or better than your first year, and that will depend a lot on your business; for example, you bought an existing business, or it's a specific professional practice, etc. You would, however, need to have a stronger credit score than a 640; you'd likely need to have at least a 680 mid-score. I don't know if you'd have a portfolio lender like this in Atlanta, but I might suggest talking to a local mortgage broker after you've been in business at least 1 year, kept good financial records and improved your credit scores some. If there is an Atlanta portfolio lender who might consider this, a local mortgage broker would be the most likely to know where to find them.

Melvin spelled it out prtty simple unless you look to a private lender