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Qualify With Just Your 1099 — No Tax Returns Required
1099 Loans – No Tax Returns Needed
If you earn income as an independent contractor, freelancer, or gig worker, qualifying for a mortgage has never been easier. Our 1099 Loan Program allows you to use your 1099 income statements instead of tax returns, W-2s, or pay stubs. With loan amounts up to $4 million, LTVs up to 90%, and credit scores starting at 660, you can secure financing without traditional documentation hurdles.
We also allow non-warrantable condos and condotels, giving you more flexibility in the types of properties you can purchase.
FAQs
Do I need to submit tax returns?
No — approval is based solely on your 1099 forms.
What types of properties are eligible?
Primary residences, second homes, investment properties, non-warrantable condos, and condotels.
What’s the maximum DTI allowed?
Up to 55% DTI.
Why This Program Works for Independent Earners
Independent contractors often face challenges when qualifying for traditional mortgages. High deductions and irregular income streams can make it seem like you earn less than you actually do. Our program bypasses this problem by focusing only on your actual 1099 income.
A Straightforward Path to Homeownership
Whether you’re a consultant, rideshare driver, real estate agent, or work on contract in another field, this program removes the biggest barrier to homeownership: unnecessary paperwork. With high LTV options, big loan limits, and flexible property eligibility, it’s designed to fit your real-world income situation — not force you into a traditional mold.