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.
Frequently Asked Questions I’m a self-employed electrician — why did the bank decline my mortgage when I earn good income? Conventional banks qualify income using
Frequently Asked Questions What is the difference between a 1099 loan and a bank statement loan for independent contractors? A 1099 loan uses gross 1099-NEC
Frequently Asked Questions Have Non-QM mortgage options for self-employed trades workers actually improved in 2025 compared to prior years? Yes, meaningfully. Rate premiums have compressed
Frequently Asked Questions My accountant takes all the deductions they can, which lowers my taxable income — how do I still qualify for a mortgage?
Frequently Asked Questions I work through GC relationships on Microsoft and Google data center projects — does that help my mortgage qualification? Yes. If your
Frequently Asked Questions I’m thinking of going from W-2 to self-employed as an electrician — how does that affect my mortgage options? Going self-employed creates
Frequently Asked Questions I’m a self-employed trades worker — which U.S. cities have the most data center construction opportunities? The top markets are Northern Virginia,
Frequently Asked Questions I’m a self-employed carpenter or electrician in Denver working data center projects — can I get a mortgage? Yes. A bank statement
Frequently Asked Questions I’m a self-employed electrician in Raleigh working data center projects — can I get a mortgage? Yes. A 1099 loan qualifies your
Frequently Asked Questions I’m a self-employed plumber or electrician in Houston transitioning to data center work — can I get a mortgage? Yes. A bank
