Expert non-QM mortgage insights for self-employed borrowers, real estate investors, and high-net-worth buyers. Market updates, borrower guides, and strategies from America’s #1 consumer-direct non-QM lender.
Nashville is the second-largest healthcare management center in the US. The companies based here — HCA Healthcare, LifePoint Health, Ardent Health Services, RCCH, Cigna Healthcare’s
Charlotte is the Southeast’s most concentrated market for independent financial services contractors — a direct consequence of housing Bank of America’s global headquarters and Wells
Dallas-Fort Worth is the most corporate-dense metropolitan area in the US by Fortune 500 headquarters per square mile. AT&T, American Airlines, Southwest Airlines, ExxonMobil, and
Los Angeles’s 1099 mortgage market is defined by two contractor populations that converge on the same problem: high gross income, substantial legitimate deductions, and a
Miami’s Non-QM 1099 market has three profiles that dominate volume — each one specific to the South Florida economy and each one with a deduction
Many borrowers have hybrid income: a part-time W-2 position plus consulting or contractor work. A full-time employer plus side consulting income. A corporate role transitioning
Commission-based sales professionals occupy a unique income documentation position. Their earnings are entirely performance-based, documented on 1099-NEC forms from the companies they represent, and subject
Healthcare contractors are the 1099 loan program’s single most financially impactful use case. The income is high. The deductions are legitimate and substantial. The gap
Real estate agents are among the most logically-positioned borrowers for the 1099 loan program. Their entire income arrives as documented 1099-NEC commission payments from their
The technology contractor’s mortgage problem is almost universal. Enterprise IT architects, data engineers, DevSecOps specialists, and ML researchers who left W-2 employment to consult independently