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Unconventional Mortgages - A Wealth of Information and Service: (800) 718-8906

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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,
Speak to a Loan Officer (800) 718-8906.

1099-Only Mortgages - Guidelines and Highlights:

No Ratio Loans

A No Ratio loan requires your employment to be listed in the income section of the 1003 application, but no ratios are calculated or qualified.. One of our favorites. Reserves

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12/20/2024 08/28/2025

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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