1099 Income Loan Pricer
Qualify using your 1099 forms instead of full tax returns. Designed for independent contractors, consultants, Uber/Lyft drivers, real estate agents, and anyone who receives 1099 income. When your tax write-offs reduce your reported income, 1099 loans use your gross 1099 earnings for qualification.
1099 Income Loan Facts
- Qualify using 1099 forms instead of full tax returns
- Designed for independent contractors, consultants, and gig workers
- 1 or 2 years of 1099 history accepted depending on lender
- No full tax return analysis — simpler qualification process
- Available for primary residence, second home, or investment property
- Minimum credit score typically 660-680
- Down payment as low as 10% for primary residence
- Great option when tax write-offs reduce reported income on returns