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1099 Income Loans – Self-Employed Borrowers Welcome
Alternative Income Solutions for Independent Earners
Our 1099 Income Loan program provides a powerful financing solution for contractors, freelancers, gig workers, and other self-employed borrowers whose income is documented through 1099 forms rather than W-2s. With loan amounts up to $3.5 million, up to 90% LTV on purchases, and flexible documentation options, it’s ideal for those seeking a streamlined alternative to traditional lending. Whether you’re buying your first home or refinancing, this program gives you the flexibility you need without unnecessary income hurdles.
FAQs
What’s the minimum credit score?
Credit scores as low as 600 are accepted.
How many years of 1099 income are required?
We accept 1–2 years of 1099s (12 or 24 months).
Is this program available for purchases and refinances?
Yes — it works for both purchases and refinances.
What’s the maximum loan amount?
Up to $3.5 million.
Are first-time homebuyers eligible?
Yes — this program welcomes first-time buyers.
Are both Full Doc and Alt Doc options available?
Yes — we provide flexible documentation options to meet various borrower needs.
Why This Program Works for Self-Employed Borrowers
Traditional mortgage programs often overlook self-employed borrowers with strong earnings but non-traditional documentation. By using actual 1099 income records instead of requiring tax returns, this program opens the door to higher approval rates, faster processing, and more opportunities for those working outside the standard payroll system.
A Streamlined Path to Approval
This program minimizes paperwork while maximizing flexibility. With competitive LTV ratios, adaptable documentation, and acceptance of lower credit scores, the 1099 Income Loan offers a borrower-focused process. From pre-approval to closing, you can expect speed, clarity, and confidence in every step.