Mortgage Program

Mortgage Loans With 1099 Only

Tailored Financing Solutions for Self-Employed Borrowers

Discover the Flexibility of Mortgage Loans With 1099 Only​ with Pied Piper Mortgage

Mortgage loans with 1099 only are designed specifically for self-employed individuals and independent contractors who receive income through 1099 forms rather than traditional W-2 employment. These loans recognize the unique financial situations of self-employed borrowers, offering flexible underwriting guidelines and simplified documentation requirements. If you’re a freelancer, consultant, or small business owner, a 1099-only mortgage can help you achieve your homeownership dreams.

 

Benefits

You know the home you want. We make it happen for your need.

Competitive Interest Rates

Access favorable rates tailored to self-employed borrowers.

Flexible Income Verification

Use 12-24 months of 1099 income to prove your ability to repay the loan.

Simplified Documentation

Qualify for a mortgage using your 1099 income statements instead of tax returns.

High Loan Amounts

Secure financing for higher-value properties with loan amounts that suit your needs.

Why Choose Mortgage Loans With 1099 Only?

Buying a home can be overwhelming. We Provide you a solution!

Mortgage loans with 1099 only simplify the application process for self-employed borrowers by focusing on your actual income rather than extensive tax documentation.

 

These loans offer flexible income verification methods, making it easier for you to qualify based on your 1099 income statements.

Designed with self-employed individuals in mind, these loans provide customizable options to fit your unique financial situation and goals.

 

WHY CHOOSE US?

Pied Piper Mortgage has a simple online process for loan Applications

Expert Guidance

Our experienced team provides personalized support throughout the mortgage process, ensuring you find the best loan options tailored to your needs.

Streamlined Process

We simplify the loan application and approval process, helping you secure financing quickly and efficiently.

Extensive Network

Our extensive network and resources ensure you get the best rates and terms available in the market.

Got Questions About Mortgage Loans With 1099 Only?

A 1099-only mortgage loan is a home loan designed for self-employed individuals and independent contractors who receive income through 1099 forms. It allows borrowers to qualify using their 1099 income statements instead of traditional tax returns.

 

Self-employed individuals, freelancers, independent contractors, and small business owners who receive 1099 income and can provide 12-24 months of 1099 statements may qualify for this type of loan.

Interest rates for 1099-only mortgage loans can be competitive and are often tailored to the unique financial profiles of self-employed borrowers.

Typically, you will need to provide 12-24 months of 1099 income statements, bank statements, and other documentation to verify your income and financial stability.

 

Yes, 1099-only mortgage loans can be used to refinance an existing mortgage, especially if your income situation has changed or if you want to take advantage of better terms.

Down payment requirements can vary, but many 1099-only mortgage loans require a minimum down payment of 10-20% of the property’s value.

The application process involves providing your 1099 income statements, bank statements, and other relevant documentation to verify your income and financial status. Our mortgage specialists will guide you through each step.

There are generally no specific restrictions on the type of home you can purchase with a 1099-only mortgage loan, but the property must meet standard lending guidelines.

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