1099 Only
Designed for self-employed borrowers, independent contractors, and commission-based earners who want a more flexible path to financing using 1099 income instead of traditional tax returns.
Program Overview
A flexible loan solution for borrowers with non-traditional income. The 1099 Only program allows qualified clients to use their 1099 forms for income qualification without requiring tax returns, creating a simpler and more practical path to financing.
Program Features
Qualify using 1099 income instead of traditional tax returns.
No tax returns required for income qualification.
Financing available up to $8,000,000 for eligible borrowers.
Minimum 20% down payment required.
Requires a minimum two-year self-employment history.
Available for primary residences, second homes, and investment properties.
Why Choose This Program?
Built for self-employed individuals and independent contractors with non-traditional income.
Helps borrowers qualify using the income documents they actually receive.
Offers a simpler path when tax returns do not reflect true earning power.
Supports a wide range of property and occupancy scenarios.
Ideal for freelancers, consultants, and commission-based professionals.
Provides more flexibility than many traditional income documentation programs.
Who This Program Is Great For?
Self-employed borrowers with at least a two-year work history.
Independent contractors paid through 1099 forms.
Freelancers and consultants with strong income but non-traditional documentation.
Commission-based earners seeking flexible financing options.
Borrowers purchasing or refinancing a primary, second home, or investment property.
Clients who want an alternative to traditional tax-return-based qualification.
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