Andres Garcia
Loan Officer
NMLS: 2246130
813-847-4199

1099 Mortgage

Power Your Homeownership Journey with 1099 Mortgages

Dedicated Mortgage Solutions for Independent Contractors
640

Minimum Credit Score

50%

Maximum Debt To Income

90%

Maximum Loan To Value

$15M

Maximum Loan Amount

Pros of 1099 Mortgages

1

Designed for 1099 Workers

Tailored to the unique needs of independent contractors, freelancers, and self-employed professionals.
2

Flexibility and Ease

No need to worry about W-2 forms or consistent work history. Your 1099 forms are all we need.
3

Fast Closings

Our process for 1099 mortgages involves fewer restrictions, leading to quicker closings.

Cons of 1099 Mortgages

1

Higher Cost

Compared to conventional mortgages, 1099 mortgages could come with slightly higher costs.
2

Potential Prepayment Penalty

Although fully disclosed and optional, opting out of a prepayment penalty may slightly increase the cost.

Key Issues That Will Get Early Attention

1
Determine Eligibility
Let's examine your 1099 income to verify your eligibility for a 1099 mortgage.
2
Understand Income Calculation
We'll explain how we calculate your income based on your 1099 forms.
3
Prepare Necessary Documentation
We'll guide you through gathering the necessary documentation for a smooth application process.
4
Explore Your Options
Let's look at all your loan options to find the one that fits best with your financial situation.
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