Get Pre-Qualified
Start with QuickQual. No application, no initial credit pull. A real Mbanc underwriter reviews the file within 24 hours.
Built for independent contractors, consultants, and sales pros. Qualify on 90% of your gross 1099 income with no W-2 and no tax returns. Loan amounts to $3M+ across 46 states.
If you’re paid on a 1099, conventional underwriting buries your real earnings under deductions and inconsistent-income flags. Mbanc qualifies you on 90% of your gross 1099 income — the number that reflects what you actually earn. No W-2, no tax returns, no two-year employment letter.
No application required at intake. No initial credit pull until you choose to proceed. A real underwriter reviews every Mbanc 1099 file.
Start with QuickQual. No application, no initial credit pull. A real Mbanc underwriter reviews the file within 24 hours.
Provide 1 or 2 years of 1099 forms. Mbanc qualifies you on 90% of the gross — no W-2, no tax return.
Your Principal Banker walks the file through underwriting in-house. Conditions stated up front.
Receive a real loan amount, rate, fees, and closing timeline. 97% pull-through on every loan we submit.
Most 1099 files close in 15 days. We fund with our own capital — no broker handoff.
No haircut to net. The gross on your 1099 is the number Mbanc qualifies you on.
Independent contractors, freelancers, and commission earners welcome.
A single year of 1099 history can qualify in many scenarios.
From entry jumbo to ultra-jumbo, sized to your real earnings.
Best LTV unlocks at 720+. Below that, LTV steps down predictably.
When Mbanc says you’re approved, you close. No investor-approval caveat.
1099 is one of five Mbanc qualification methods. If your income lives elsewhere, the same underwriter can route you to the right product.
Self-employed borrowers qualify on 12 or 24 months of deposits. No tax returns, no W-2.
High-net-worth borrowers qualify on assets. Brokerage, retirement, and cash convert to income.
Investment property loans qualify on the rent the property earns. No personal income required.
Lower monthly carry for sophisticated borrowers optimizing cash flow inside a portfolio.
Tell us how you actually earn — a real Principal Banker answers within one business hour. No initial credit pull. No application at intake.
About qualifying on 1099 income, documentation, and how Mbanc reads your earnings — answered without jargon.
Real, verified reviews from MBANC clients on Google.
Hands down the best mortgage banker for investors and non-QM 1099 applicants. Tyler helped me promptly secure the best rate while keeping a comfortable LTV using my assets and dividend streams. Incredibly organized and easy to talk to — truly went above and beyond.
MBANC made the impossible happen for us. Multiple traditional lenders looked at my complex financial profile, put it in the ‘too difficult’ pile, and said no. MBANC was entirely different — Jason and Mayer used creative problem-solving and real expertise to find a path forward. Where others saw roadblocks, they said YES.
Great experience from start to finish. Jason Rod did an excellent job with communication, follow-up, and clearing hurdles. Would highly recommend Jason and his team!
Sixty seconds. No initial credit pull. A real number from the people who underwrite the loan.
