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 What documents do I need for a 1099 loan application? Primarily: 1099-NEC forms from the past 12 or 24 months from all
Frequently Asked Questions Which is better for a self-employed electrician — a 1099 loan or a bank statement loan? It depends on your income structure.
Frequently Asked Questions Can I combine multiple 1099 sources to qualify for a mortgage? Yes. All 1099-NEC income from all sources is combined and averaged
Frequently Asked Questions What is a 1099 loan for independent contractors? A 1099 loan is a Non-QM mortgage that qualifies income using gross 1099 contractor
Frequently Asked Questions What Non-QM loan programs are available for self-employed carpenters? The three primary programs are: bank statement loans (qualify on 12–24 months of
Frequently Asked Questions How does a 1099 mortgage loan work for a carpenter? A 1099 loan uses gross 1099 contractor earnings from the past 12
Frequently Asked Questions Can a carpenter working on data center projects get a mortgage despite write-offs? Yes. A bank statement loan uses actual bank deposits
Frequently Asked Questions Why did Jensen Huang say plumbers would benefit from the AI boom? AI data centers require complex liquid cooling systems, industrial piping,
Frequently Asked Questions What is a 1099 mortgage loan for plumbers? A 1099 mortgage uses gross 1099 contractor earnings from the past 12 to 24
Frequently Asked Questions Can a self-employed plumber working on AI data center projects get a mortgage? Yes. A bank statement loan qualifies income using actual
