Flexible 1099 Mortgage Loans for Self-Employed Buyers
Explore competitive 1099 mortgage loans with no W-2s required. Ideal for freelancers, contractors, and gig economy workers seeking simple home financing.
1099 Mortgage Loans Made for Independent Professionals
Menage Mortgage works with the best mortgage lenders for 1099 employees to offer 1099 mortgage loans tailored for entrepreneurs, contractors, and self-employed individuals. Whether you're paid via 1099s or manage multiple income streams, we simplify the approval process and offer home loans without traditional W-2 documentation.
Our process is transparent and built for busy professionals. We take the guesswork out of qualifying by focusing on actual income—not just tax forms. Whether you're a freelancer, business owner, or gig worker, we'll walk you through every step. In fact, many of our clients are first-time homebuyers who assumed they couldn’t qualify due to non-traditional income. With the right documentation and guidance, 1099 income can be just as powerful as salaried pay when structured properly.
What Are 1099 Mortgage Loans?
1099 mortgage loans allow borrowers to qualify for financing using alternative documentation such as bank statements or 1099 forms. These flexible mortgage programs are ideal for self-employed professionals, freelancers, gig economy workers, and consultants.
If you earned income but did not receive a 1099, you're still required to report it. Most lenders can consider this income—especially when supported by deposits or CPA-prepared documents. Our team will guide you through these options.
Compared to traditional loans, these programs often feature more flexible guidelines and quicker approvals, especially for borrowers with strong income documentation and solid credit history. We’ll help match you to the right product based on your financial profile and property goals. Whether you're looking to buy your dream home or refinance an existing mortgage to access cash flow, these loan options are built to reflect the realities of self-employment.
Who Can Benefit from a 1099 Home Loan?
- Freelancers and 1099 contractors
- Real estate agents and insurance professionals
- Gig workers (Uber, Lyft, DoorDash)
- Consultants and independent business owners
- Commission-based professionals
- Part-time entrepreneurs with multiple income sources
Borrowers in these groups often face unnecessary hurdles with conventional lenders. With a 1099 mortgage loan, we offer custom underwriting that recognizes your full income story. In many cases, our clients find they qualify for higher loan amounts using bank statements or profit-and-loss summaries rather than adjusted gross income from tax returns. This gives them more buying power and confidence.
1099 Home Loan Requirements
Alternative Income Documentation
- 12–24 months of 1099 forms
- Business or personal bank statements
- CPA-prepared profit & loss statements
Higher DTI Flexibility
- Up to 50% debt-to-income ratio
- Gross income accepted (not just taxable)
Eligible Loan Options
- Primary and second homes
- Investment properties
- Cash-out or rate-term refinance
Your credit score, savings, and income documentation all factor into eligibility. We’ll guide you through your options and help you present the strongest possible application. Even if you've been turned down elsewhere, our specialized lender network allows us to find creative solutions that fit your income structure. Menage Mortgage is committed to helping self-employed buyers close with confidence.
Compare 1099 Mortgage Loans with Other Programs
Want to explore other loan types? We offer multiple programs to fit your goals. Our mortgage advisors are trained to walk you through side-by-side comparisons, helping you decide between a 1099 mortgage, a Non-QM option, or a traditional product based on your credit, income, and homeownership goals.
Frequently Asked Questions
What credit score do I need?
Most 1099 mortgage lenders look for a score of 620+, but we work with lenders offering flexible guidelines.
What are the 1099 home loan requirements?
Expect to provide 1099s, bank statements, and possibly a CPA letter to verify income.
Can I get a mortgage loan with 1099 income only?
Yes! You can qualify using 1099 income alone if supported by documentation and consistent deposits. We also offer options that combine 1099 income with other alternative sources such as rental income or verified business revenue.
Get a Custom 1099 Mortgage Loan Quote
Ready to buy or refinance with 1099 income? Let’s help you qualify today. Menage Mortgage makes the process simple and stress-free. Click below to start a no-obligation application and see how much home you can afford with your 1099 income.
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