The MBANC Blog

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.

Houston is where the 1099 loan was made for. No city in America produces more high-income independent contractors whose tax returns systematically understate their actual

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Chicago produces the largest average 1099 mortgage loan amounts of any Mbanc city. The reason is the trading firm technology market. CME Group, CBOE, Citadel,

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Atlanta is the Southeast’s Fortune 500 hub — Delta Air Lines, Coca-Cola, Home Depot, UPS, NCR Voyix, Cox Enterprises, and Genuine Parts Company all headquartered

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Quick Answer: Bank statement loan underwriters total your deposits over 12-24 months, subtract an expense factor (typically 10%-50% depending on your business type and documentation),

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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

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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

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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

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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

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