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 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 do a cash-out refinance without showing full tax return income? Yes. A bank statement cash-out refinance qualifies income
Frequently Asked Questions How many months of bank statements do I need for a plumber home loan? Most programs offer 12-month or 24-month options. A
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
Frequently Asked Questions Is now a good time for a self-employed electrician to buy a home? Based on current data, yes. Electrician demand is structurally
Frequently Asked Questions How long do I need to be self-employed before I can get a Non-QM mortgage as an electrician? Most Non-QM programs require
Frequently Asked Questions Can a self-employed electrician do a cash-out refinance? Yes. A bank statement cash-out refinance allows self-employed electricians to access home equity qualifying
Frequently Asked Questions How does a 1099 loan work for a self-employed electrician? A 1099 loan qualifies income using gross 1099 forms from the past
Frequently Asked Questions Can an electrician buy a home without a W-2? Yes. A bank statement loan or 1099 loan qualifies income using actual deposits
Frequently Asked Questions I’m a self-employed electrician and the bank denied me — what are my options? A bank statement Non-QM loan qualifies your income
