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1099 Only Mortgages

1099 Only loan programs are for Sole Proprietors. Independent Contractors can utilize one or multiple 1099's for the previous 1 or 2 years. "Reduced Doc" (1-year employment history). "Lite Doc" (2-year Alt Doc income history,
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1099 Only Mortgages - Guidelines and Highlights:

Six Alternative Income Verification Options

Bank Statement and Asset Depletion Non-QM loan program uses bank statements In lieu of Traditional Income Documentation to determine a borrower’s Ability-to-Repay. Agency – government regulated. Non-QM is manually underwritten

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Non-Qualified Mortgage Jumbo 55% DTI

The Non-Qualified Mortgage Jumbo (55% DTI) program is designed for borrowers who may not have traditional documentation like tax returns, W-2s, or pay stubs. It offers flexible income verification via

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Alternative Income Documentation

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Unconventional Mortgage Lending

Stated Income Loan Programs

1099 Only Niche Loan Programs

Non-Prime 1099 Only Loan Programs

Latest Loan Programs

Alt Doc Purchase Loans

Alt Doc Refinance Loans

Cash Out Refinance

Second Mortgages

Second Mortgage Niche Loans

Construction Loans

Non-QM Lenders

Non-Prime Mortgage Loans

Credit Score Tools