1099 Mortgage Loans
Real estate success within reach for self-employed individuals
You’ve built a successful business on your own terms—now it’s time your mortgage worked the same way. At Mbanc, we support the self-employed community with accessible and flexible financing solutions tailored specifically for independent professionals like you.
Whether you’re an entrepreneur, freelancer, or independent contractor, Mbanc helps turn your ambitions into reality.
MBANC’s
97% Pull-Through Rate: Confidence You Can Count On
What does a 97% pull-through rate mean for you? It means when we say you’re pre-approved, we truly mean it. Our pre-approvals aren’t just empty promises based on automated forms; they’re backed by thorough, expert evaluations of your information.
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We respect your time, your realtor’s efforts, and the importance of your property deal. With Mbanc, you can confidently move forward knowing that our pre-approved borrowers successfully reach full underwriting approval.
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Ready to experience the difference? Apply today and let Mbanc show you what true commitment looks like.
Try Our 2-Minute QuickQual
Mortgages Designed for Your True 1099 Income
Traditional mortgages rely heavily on W-2s and tax returns—but your income as an independent professional tells a different story. At Mbanc, we see the full picture. Our specialized 1099 Mortgage Loan provides a clear, straightforward path to property ownership that respects and leverages your actual financial strength.
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Why choose Mbanc’s 1099 Mortgage Loan?
- Qualify Easily: Use 90% of your gross 1099 income—no W-2s or pay stubs needed.
- Loan Amounts up to $4M: Empower your property ambitions with higher borrowing limits.
- Flexible Refinance: Unlimited cash-out refinance options up to $3M.
- Accessible Qualifications: Only a 660 minimum FICO credit score required.
- Interest-Only Options: Flexible repayment plans designed with your investment strategy in mind.
I deeply appreciate the Mbanc team for their efficient, professional, and friendly support throughout my mortgage application. They made sure my loan was approved well before the closing date. I highly recommend Mbanc to borrowers looking for a smooth and stress-free mortgage experience.
Ying-Ying Li
Let's connect
We start with a conversation—not a checklist. Your Mbanc advisor will assess your income structure, goals, and preferred documentation route.
Submit 1099s
Send in one or two years of 1099 income forms. We calculate a qualifying income average based on your gross receipts.
Get Pre-Approved
Receive a clear pre-approval so you can shop for property or move forward with a refinance with complete confidence.
Close Fast
Once your file moves to underwriting, most loans close in 21–30 days with no delays caused by traditional tax-return underwriting.
Congratulations! If you're an independent contractor, you've just found the perfect mortgage
Working with 1099 mortgage loan clients is one of our specialties. You’ll be pleasantly surprised with how we save you time with our methodical 1099 mortgage loan process.
As an independent contractor, we know you are short on time and extra energy to dedicate to loan bureaucracy. Forget pay stubs and W-2 tax forms to qualify. Let’s get you the quailed for most amount of money based on 90% of your 1099 income – so you can get back to doing what you do best (your job).
Flexible Mortgage Solutions, No W-2 or Tax Returns Needed
Mortgage Approval Made Simple
Aside from great mortgage programs, at MBANC, you’ll find enthusiastic and knowledgeable experts ready to offer you premier service.
Rental Income DSCR
Turn investment properties into steady streams of wealth and income.
Interest-Only Mortgage
Maximize your investment strategy with interest-only loans and valuable tax benefits.
1099 Jumbo Mortgage Financing
No W2? No Problem. Qualify Using 1099 Income With EaseÂ
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1099 Mortgage Loan Success Stories
A Smarter Way to Finance Success
If you’re a 1099 contractor or self-employed professional, you already know the traditional mortgage system isn’t built for people like you.
You may earn six or seven figures annually, manage your business or client base with precision, and keep significant capital in your accounts. But when it comes time to get a mortgage, most banks only want to see W-2s, tax returns, and cookie-cutter employment structures.
At Mbanc, we believe in underwriting reality—not red tape.
Our 1099 mortgage loan is a Non-QM (Non-Qualified Mortgage) solution designed specifically for individuals who earn through contracts, commissions, or independent work. It allows you to qualify for a mortgage using your actual 1099 income—without the need for tax returns, W-2s, or endless paperwork.
Ready To Get Started?
Speak with an MBANC Loan Expert today and get personalized guidance for your mortgage needs.