Making the move from W-2 employment to 1099 contract work is an exciting step toward greater financial freedom. Whether you’re a medical professional, consultant, or self-employed entrepreneur, being a 1099 worker often means higher earning potential and more flexibility. But when it comes to buying a home, many newly self-employed professionals hit an unexpected roadblock—traditional lenders require two years of 1099 income history before approving a mortgage. Even with strong earnings and great credit, borrowers are often told to wait, delaying their homeownership plans for years.

At All Approved Here, we offer financing solutions designed for professionals who have recently transitioned to 1099 income. Unlike conventional mortgage programs, our alternative home loan options don’t require extensive self-employment history. Instead, borrowers can qualify with a letter from their employer confirming their role and income stability. Since no expense factors are applied, the loan considers the borrower’s full income, making it easier to get approved. Whether you’re looking to purchase a home, refinance, or access cash-out options, our streamlined process ensures fast, flexible approvals.