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Loan Program

1099 Mortgage Loans

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Who is this loan right for?

1099 Mortgage Loans are tailored for freelancers, contractors, gig economy workers, and independent professionals who receive 1099 income instead of W‑2 wages.

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Mortgage Loan

Benefits of this loan program

  • Underwriting allows use of 1099 income documentation.
  • Ideal for borrowers with high but non‑traditional income streams.
  • Helps self‑employed borrowers qualify when traditional guidelines fall short.

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General eligibility requirements

  • Consistent 1099 income history (often 2+ years preferred).
  • Acceptable credit score (often 620+).
  • Debt‑to‑income within program limits.
  • May require business documentation or profit analysis.

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Get started by using one of our FREE tools!

No matter what your situation is, there is a home financing solution for you. We are ready to guide you through your options and get you the best deal possible!

Conventional

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FHA

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VA

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Jumbo

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Renovation

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USDA

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DSCR Investor Loans

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Commercial

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Non QM

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Reverse

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Divorce Lending

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1099

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P&L

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Bank Statement

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Self‑Employed

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Foreign National

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Asset Depletion

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Asset Utilization

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