1099 Income Loans
Home financing built for independent contractors
Qualify using 1099 forms and contractor income history instead of full tax returns. A streamlined Non-QM path for gig workers, commissioned professionals, and independent contractors. Available through our wholesale lending network.
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01
Gross income based
Qualification starts from earnings before write-offs.
02
One or two years of 1099s
Recent contractor income history establishes qualification.
03
No full tax returns
Skip the complete 1040 package and its schedules.
04
Multiple property types
Primary, second home, and investment property options.
01
Less paperwork
A leaner file than full self-employed documentation.
02
Fair to contractors
Underwriting that matches how independent professionals earn.
03
Deductions don't disqualify you
Legitimate write-offs stop working against your approval.
04
Purchase and refinance
Available whether you are buying or restructuring what you own.
frequently asked questions
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Company Name can help. (Your tagline or other statement here)
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