1099 & Gig Worker Mortgage Loans in Ohio
You earn real income. Your 1099s prove it. We qualify you on your actual earnings — not your taxable income after deductions. No W2 required.
Who This Is For
If You Receive a 1099, You May Qualify
The gig economy is the fastest-growing segment of the U.S. workforce. In Columbus, that means Intel contractors, freelance tech workers, Uber/Lyft drivers, independent realtors, consultants, and thousands of others who earn real income but can't show a W2.
A 1099 Non-QM loan uses your 1099 forms from the past 1-2 years to verify income. We use your gross 1099 income — not your taxable income after deductions — so your write-offs don't count against you.
1099 Loan Program Details
Columbus Market Opportunity
Intel's $28B Campus Created Thousands of 1099 Positions
Intel's New Albany semiconductor facility has created 10,000+ direct jobs and tens of thousands of contractor positions across construction, engineering, IT, and logistics. Many of these workers are 1099 contractors earning $80K–$200K+ annually — but they can't get a conventional mortgage because they don't have a W2.
That's exactly who we serve. If you're working on the Intel build-out or any of the Google, Amazon, or Meta data center projects in Central Ohio, a 1099 Non-QM loan may be your path to homeownership.
Which Product Is Right for You?
1099 Loan vs. Bank Statement Loan
| Feature | 1099 Loan | Bank Statement Loan |
|---|---|---|
| Income Proof | 1-2 years of 1099 forms | 12-24 months of bank statements |
| Best For | Consistent 1099 income from 1-2 clients | Multiple income sources, variable income |
| Income Calculation | Gross 1099 income | Average monthly deposits |
| Documentation | Simpler — just 1099s | More docs — bank statements + CPA letter |
| Rate | Slightly lower | Slightly higher |
| Typical Borrower | Contractor, nurse, realtor | Restaurant owner, consultant, freelancer |
Not sure which fits your situation? Talk to Ian — it's free.
Common Questions
1099 Loan FAQ
Your 1099 Income Deserves a Mortgage
Free consultation. No credit pull. No commitment. Let's see what you qualify for.
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