Unconventional Self Employed Mortgages | A Wealth of Information and Service

1099 Only Mortgages?

1099-Only mortgage programs are intended for sole proprietors and independent contractors. Borrowers qualify using one or multiple 1099s from the past one or two years. Speak to a licensed loan officer (800) 718-8906. Additional information on loan program requirements below.

1099 Only Loan Programs - We Offer Guidelines and Highlights:

Non-QM 1099-Only Jumbo Mortgage

1099 Only Jumbo Home Loan 1099 mortgage financing for high-earning freelancers, independent contractors, gig workers, and self-employed business owners who may not qualify using traditional income documentation. Jumbo 1099 Loan Program for Sole Proprietors A flexible alternative income documentation mortgage

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Contact a Loan Officer

Non-QM – Stated Expense Ratio

Non-QM Stated Expense Ratio mortgage programs for self-employed borrowers using alternative income documentation. Bank statement lenders apply varying expense percentage rates to estimate business costs—key

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Non-QM Portfolio Lender Loan Programs

Non-Qualified Mortgage Lender Serving California Non-QM lender offering Non-QM loan programs to California self-employed borrowers. California business owners need flexible non-qualified underwriter guidelines with favorable

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Non-QM Super Jumbo Alt Doc

Super Jumbo Alt-Doc loans with a 620 credit score: get up to $2.5M for purchases, flexible docs (bank statements, P&L), low down & broad eligibility.

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Alternative Income Documentation

Contact a Loan Officer

Non Qualified Mortgage Lending

Stated Income Loan Programs

Non-Prime 1099 Only Loan Programs

1099 Only Niche Loan Programs

Latest Loan Programs

Alt Doc Purchase Loans

Alt Doc Refinance Loans

Cash Out Refinance

Second Mortgages

Second Mortgage Niche Loans

Non-QM Lenders

Construction Loans

Non-Prime Mortgage Loans

Credit Score Tools

Pre-Qual Forms and Tools