For independent earners
1099 Income
Designed for 1099 Earners & Independent Contractors
Whether you’re in sales, real estate, or gig work — we’ve got loan options for you.
Common 1099 Professions
Real estate agents
Consultants
Uber / gig workers
Sales reps
The Problem
"Traditional lenders see inconsistency — we see opportunity."
The Solution
We structure your income properly to maximize approval chances. Instead of penalizing you for smart tax write-offs, we look at your actual 1099 earnings to get you the home you deserve.
Qualifying Income
$120,000
Gross 1099 Earnings$150,000
Standard Expense Factor- 20%
Why This Program Works
Flexible income calculations based on real earnings
Faster approvals without waiting for tax transcripts
Less documentation and paperwork required