1099 Only

We cater to the self-employed community. Our mortgage solutions are tailored specifically for self-employed individuals and independent contractors. We work with individuals who face challenges with non-traditional income sources, and our 1099 Only program is designed to provide you with the financial flexibility you need. Whether you’re a doctor on 1099, a lawyer on 1099, a realtor, or a gig worker, this 1099-only program is the answer.

Ideal for Independent Contractors, Gig Workers, Doctors, Lawyers, Realtors, Uber/Lyft or Truck Drivers, or anyone receiving 1099 Income​

• Loan Amounts can go up to $4 Million
• You can use up to 90% of your 1099 Income for Qualifying
• DTI (Debt-to-Income) can go up to 50%
• Cash-Out option available with 80% LTV (Loan-to-Value) ratio (unlimited cash-out)
• Choose from Interest-Only, 30-Year, and 40-Year Terms
• Suitable for Primary, 2nd Home, or Investment Properties
• 100% Gift Funds are acceptable
• First Time Buyers are welcome
• Combine with Asset Depletion for additional Income

With our minimum FICO score requirement of 600 and maximum loan-to-value ratios of up to 80%, we offer flexible options to suit your specific needs. Contact our office for more information about this 1099-only mortgage program.