1099 Contractor Mortgage Solutions
Independent contractors and 1099 earners have real options — qualify using bank statements, 1099s, or P&L statements.
Overview
1099 contractors, freelancers, and gig workers earn good income but don't have traditional W-2 employment. Traditional lenders struggle with this. Non-QM lenders understand it. Bank statement programs, 1099-income programs, and P&L-based qualification give independent contractors a clear path to homeownership.
Common Challenges
Here's what often makes financing harder — and how we solve it.
No W-2 Employment
Traditional lenders want pay stubs and W-2s that 1099 workers don't have.
Variable Income
Contract-based income can fluctuate month to month.
Heavy Write-Offs
Business expenses reduce taxable income below actual earnings.
Recommended Programs
Loan programs designed for your situation.
Qualification Tips
Keep personal and business accounts separate for cleaner documentation.
Maintain consistent deposit patterns — irregular large deposits require explanation.
Have 2+ years of 1099 income history documented.
Credit scores of 660+ open the widest range of program options.
How to Get Started
Your path to homeownership — simplified.
Consultation
We review your income sources and match you to the right documentation type.
Pre-Approval
Get qualified using bank statements or 1099 income — no W-2 needed.
Close
Streamlined process designed for non-traditional income.
Frequently Asked Questions
Some lenders offer "1099 income" programs that use your 1099 forms as the primary income source, applying an expense factor. Bank statement programs are also available as an alternative.