Let’s get one thing straight: just because you don’t have a traditional 9-to-5 job with a W-2 doesn’t mean homeownership is out of reach. That outdated idea? Toss it out. In today’s world, the workforce is shifting. More people are building businesses, freelancing, creating content, driving rideshare, and working gigs on their own terms. You’re not following the old script—and that’s not a disadvantage. It’s just different. And that’s where 1099 loans come in.
Your Hustle Counts
If you’re a contractor, creative, gig worker, or self-employed boss, your income may not come with a neat little W-2 at the end of the year. But let’s be real—you’re working just as hard (maybe even harder), and your income should count when it comes to buying a home. I talk to people all the time who’ve been told they “don’t qualify” simply because their income doesn’t fit into the traditional lending box. They’re frustrated. They’ve been turned away by lenders who don’t understand how self-employed income works.
But here’s the good news: That’s not the end of the story.
What Is a 1099 Loan?
A 1099 loan is a type of home loan designed specifically for self-employed individuals, freelancers, and independent contractors—aka, people who get 1099 forms instead of W-2s.
Instead of relying on pay stubs and employer letters, these loans look at alternative forms of income documentation, like:
- Your 1099s from the past one or two years
- Bank statements showing consistent deposits
- Profit & loss statements
- Business income summaries
These documents help paint a more complete and realistic picture of what you actually earn—because your income is real, even if it doesn’t look “typical” on paper.
Let’s be honest—Your income isn’t unusual. It’s just not typical. And that’s okay.
The truth is, traditional lending hasn’t kept up with how people make money today. But I have. I work with people just like you—content creators, Uber drivers, hairstylists, consultants, real estate agents, online sellers, and more. Your work might not fit inside a cubicle, but that doesn’t mean you shouldn’t have a place to call your own.
And if you’ve been ghosted by lenders who didn’t bother to learn your story or understand your grind, it’s time for a different approach.
It’s all about strategy, qualifying for a home as a 1099 worker isn’t impossible—it just takes the right strategy. It’s about looking at your income differently. It’s about finding the right loan programs. It’s about working with someone who doesn’t make assumptions based on outdated standards.
More people qualify than they think! Seriously. I can’t tell you how many people I’ve talked to who were convinced they didn’t qualify—until we actually sat down and looked at their financials. If you’re consistently bringing in income—even if it’s from multiple sources or varies from month to month—there’s a good chance you do qualify.
So let’s talk about it. Ready to Make a Move?
If you’ve been thinking about buying a home but assumed you couldn’t because you don’t have a W-2—think again. You’ve got options, and you’ve got support.
Let’s connect. We’ll take a look at your unique situation and map out a plan that fits your hustle, your income, and your future. Because your dream of homeownership? It’s still very much alive.
DRE ID # 01769353
NMLS ID # 394275
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