1099 loans
Simplified mortgages for independent contractors
1099 loans offer mortgage solutions tailored for self-employed individuals working as independent contractors or freelancers.


About 1099 loans
Home financing for freelancers and contractors
1099 loans allow self-employed borrowers to qualify for a mortgage using their 1099 income statements instead of traditional tax returns, providing flexible and convenient financing options.
Check if you're eligible
- Must have at least one year of 1099 income
- Self-employed for at least two years
- Minimum credit score requirements vary by lender
- Property must be a primary residence, second home, or investment property
Why choose an 1099 loans?
- No tax returns required
- Qualify based on 1099 income statements
- Competitive interest rates
- Flexible loan terms
1099 loans frequently asked questions
How do 1099 loans work?
1099 loans use income from 1099 forms to verify income instead of tax returns or pay stubs.
Can I use 1099 income from multiple jobs?
Yes, income from multiple 1099 jobs can be combined to calculate your qualifying income.
Are 1099 loans only for primary residences?
No, 1099 loans can be used for primary residences, second homes, and investment properties.

Is this a good time to get a loan?
If you're a freelancer or independent contractor, 1099 loans offer flexible options to help you secure your dream home. Our team is ready to guide you through every step.
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