1099 Mortgage Loans for Gig Workers, Freelancers & Independent Contractors
Get Pre-QualifiedIf you receive 1099 income from any source — Uber, DoorDash, consulting, freelance design, real estate commissions — you may qualify for a mortgage using two years of 1099s or bank statements. We compare both methods and use whichever gives you the higher qualifying income.
1099 Income Qualifier
Tax Return (net income)
Qualifying monthly income: $0
Max loan est.: $0
Bank Statement (if deposits entered)
Qualifying monthly income: $0
Max loan est.: $0
We'll run both scenarios and use whichever qualifies you for more.
1099 Mortgage FAQs
Can I qualify with only 1099 income?
Yes — many programs allow two years of 1099s and/or bank statements to document income without a traditional W-2.
Do I need an employer verification letter?
For many non-QM paths, 1099s and bank deposits can satisfy documentation requirements without a classic employer letter.
How do you calculate my qualifying income?
We compare tax-return and bank-statement methodologies and use the approach that produces the strongest qualifying income, subject to lender guidelines.
What if my income varies month to month?
Lenders typically average income over 12–24 months and may require additional explanation for large swings.