1099 Mortgage

No W-2? No Problem! Get a Mortgage with Your 1099 Income

Whether you’re a self-employed professional or a freelancer, our mortgage options recognize your unique earnings without the need for W-2s.

Qualify for a Mortgage With Your 1099 Income

HomeXpress Direct specializes in mortgage solutions that cater to the diverse income profiles of self-employed professionals. Our 1099 Mortgage Loans are designed to accommodate the earnings of freelancers, entrepreneurs, and gig workers, offering flexibility where traditional loans fall short

Loan amounts up to $3 Million
Cash out refinance up to $3 Million
Free documentation review
Qualify using gross 1099 income
No tax returns, W-2's, or paytubs required
Minimum 640 FICO credit score to qualify
Maximum 90% loan to value (LTV)

Download Program PDF

Xpress Free Quote

Name(Required)

Email(Required)

Phone(Required)

Property State

Loan Type

Occupancy

Property Type

Qualify With

Credit Score(Required)

Loan Amount(Required)

Down Payment %(Required)

Property Value(Required)

Hidden

utm_source

Phone

This field is for validation purposes and should be left unchanged.

10/10 would recommend Sarah Walker and HomeXpress mortgage to family and friends. Being mine and my fiancés first time purchasing a home Sarah was extremely patient and knowledgeable with us as we had many questions with terms we were unfamiliar with. She found the right loan and rate that fit our specific need.

– Mathew M.

Tailored Mortgage Solutions for 1099 Earners

Free Income Calculation Provided
Qualify using 12 or 24 month gross1099 income
Experience expert self employed mortgage guidence
Up to 90% СLTV purchase / Up to 80% СLTV cash-out
Max cash-in-hand $1 million, no limit for CLTV <55%
Seamless document review to close with speed and ease

Ready To Get Started?

Get in touch, and we'll reply within 30 minutes.

1099 Mortgage FAQs

Xpress Direct 1099 Mortgage Solutions

Unlike traditional mortgage options that primarily rely on W-2 income verification and tax returns, a 1099 mortgage loan recognizes your unique income structure as an entrepreneur, freelancer, gig worker, or self-employed professional

What is 1099 mortgage?

a 1099 Mortgage offers several advantages for freelancers and self-employed professionals. It provides a more flexible qualification process that considers a broader range of income sources, making it potentially easier to qualify compared to traditional options that rely on tax return income documentation.

What documents are needed for a 1099 Mortgage?

Proof of Income
12 to 24 Months of 1099 Income
Year to date documentation to support continued receipt of income from same source.
Borrower Financial Details
Property Details

What are the rates for a 1099 Mortgage?

The interest rates on a 1099 Mortgage can be influenced by various factors including your credit score, the loan-to-value (LTV) ratio, the type of property you are purchasing, and the current market conditions.