1099 & Gig Worker Loans — No W2 Required
Qualify using your 1099 income. No W2 needed. Built for independent contractors, freelancers, consultants, and gig economy professionals.
Get Matched FreeProgram Highlights
- No W2 required
- 1099 income accepted
- Gig economy friendly
- 12 or 24 month 1099s
- 620+ credit score
- Primary, 2nd home, investment
- Fast approvals
- Available in 48 states
Mortgages for the Modern Workforce
The traditional mortgage system was built for W2 employees. If you are a 1099 contractor, freelancer, consultant, or gig worker, conventional lenders often struggle to qualify your income — even if you earn more than most salaried employees.
1099 loan programs are designed specifically for non-traditional workers. Lenders use your 1099 income from the past 12 or 24 months to calculate qualifying income, without requiring W2s or employer verification.
These loans are available for primary residences, second homes, and investment properties. Minimum credit scores typically start at 620, with better rates available at 680+.
Whether you are a rideshare driver, real estate agent, consultant, or independent professional in any field, our network includes lenders who understand how to underwrite 1099 income correctly.
Program Guidelines
Min. Credit Score
620+
Income Doc
12 or 24 mo. 1099s
Max LTV
Up to 90%
Property Types
Primary, 2nd Home, Investment
Employment
Self-employed / 1099
W2 Required
No
Frequently Asked Questions
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Tell us your scenario and we'll connect you with a licensed specialist who handles this exact loan type — at no cost to you.
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- No upfront fees
- 48 states covered
- Response within 24 hrs
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