1099 Income Loan

1099 income loan works for contractors, self employed borrowers, freelancers and much more. We can use the 1099 in lieu of your tax returns to qualify for a mortgage. This is a very underserved area that we focused on helping.

Up to 90% LTV, loan to value, No mortgage Insurance Credit scores starting at 600


  • 90% LTV, loan to value with a 700 mid-score

  • 80% LTV, loan to value with 640 mid-score

  • Loans up to 3 million, Minimum 200k loan

  • 30 year fixed and ARM available

  • Owner occupied, second home or investment property allowed

  • NO Tax returns required

  • Two-year seasoning for foreclosure, short sale, bankruptcy or deed in leu

  • One and two-year 1099’s with year-to-date earnings statement

  • 1099’s must be from a single employer

  • Purchase, cash out or Rate-Term refinance available

  • Non-Warrantable condos allowed

Get a Free No-Obligation Loan Pre-Approval!