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Flexible financing for independent earners

Turn Your 1099 Income Into Mortgage Opportunity

1099 Income Loans provide eligible borrowers with a Non-QM financing option that may accommodate independent contractors, freelancers, and other 1099 earners whose income structure may differ from traditional W-2 employment.

 

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Discover 1099 Income Loans

Key Benefits of 1099 Income Loans

  • Personalized financing based on your profile
  • Options for eligible home and investment properties
  • Flexible Non-QM qualification guidelines
  • Alternative income documentation may be accepted
  • Designed for eligible 1099 income earners
A 1099 Income Loan is a Non-QM mortgage option designed for eligible borrowers who receive income reported through 1099 forms. Qualification and documentation requirements vary by program.
These loans may benefit eligible independent contractors, freelancers, consultants, commission-based workers, and other borrowers who receive 1099 income.
Depending on the program, lenders may review 1099 forms, bank statements, earnings records, or other acceptable documentation to evaluate qualifying income.
Yes, eligible self-employed borrowers who receive 1099 income may qualify for certain Non-QM programs. Requirements depend on the borrower's income, credit, assets, and overall financial profile.
Certain programs may allow eligible borrowers to use 1099 income for investment property financing. Property type, loan purpose, and other program requirements will determine eligibility.

EXPLORE YOUR NON-QM FINANCING OPTIONS

Nexa Lending offers a broad range of Non-QM mortgage solutions designed for borrowers whose financial circumstances may require an alternative approach. Joel R. Suurmeyer helps clients throughout Texas explore available programs based on their income, assets, property, credit profile, and financing objectives.

  • Non-QM Financing
  • Non-Warrantable Condo Loans
  • Investment Property Non-QM Loans
  • Bank Statement Loans
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At Nexa Lending, we understand that every real estate investment comes with unique financing considerations. By working with Joel Suurmeyer, you can review your property details, financial profile, and financing goals to explore Non-QM loan options that may fit your needs. Our team is committed to providing personalized guidance and a smooth mortgage experience, helping you make informed financing decisions with confidence.

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Licensing Details: NMLS ID : 820017 | Company NMLS# 1660690

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