Loan Program
1099-Only Loan
Built for Independent Earners
If you earn via 1099 income — consulting, commission, freelance, or contract work — your forms speak louder than any tax return. We qualify on what you actually earn.
Who It's For
Is this the right program for you?
- i.Independent contractors with 1 or more years of 1099 income history
- ii.Commission-based earners in real estate, financial services, or sales
- iii.Consultants and freelancers with consistent annual 1099 income
- iv.Gig economy workers and platform-based earners with documented 1099s
- v.Borrowers whose tax returns show lower income than their 1099 gross
Requirements
| Credit Score | 620 minimum |
| Max LTV | Up to 90% |
| Down Payment | 10% minimum (primary) |
| Documentation | 1–2 years of 1099 forms; no tax returns required |
| Property Types | Primary residence, second home |
The Process
01
Application
Submit your basic information and program interest. No credit pull at this stage.
02
Review
Nick reviews your scenario and reaches out within one business day to discuss your path forward.
03
Close
Most non-QM loans close in 20–30 days. We coordinate with title, appraisal, and underwriting on your behalf.
Find out if you qualify
Take the 2-minute quiz or apply directly.