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Self-employed & other income

1099-income mortgage

The short answer Some non-QM lenders let you qualify using eligible 1099 earnings instead of full tax returns. They may require a set history, certain types of payers, supporting deposits, or an expense adjustment. A 1099 by itself does not set your final qualifying income or mean the loan is approved.

Last reviewed: October 18, 2026 · General education, not a loan offer or approval. Availability and terms depend on the lender, the property and your file.

It may fit if

  • You are an independent contractor or freelancer paid on 1099 forms.
  • Your tax returns show heavy write-offs that lower your income on paper.
  • You have a steady history with one or more payers.

Tradeoffs to weigh

  • Lenders may apply an expense adjustment that lowers the income they use.
  • History and payer requirements differ by lender.
  • Non-QM costs can be higher than traditional loans, so compare the full terms.
  • It is a different route from a bank-statement loan, with different income proof and calculations.

What to have ready

  • Your line of work and how long you have done it.
  • How many payers you have and whether that is steady.
  • Whether you have your recent 1099 forms available.
  • Your goal: purchase or refinance, and the property type.
  • Whether you also want to compare full-documentation and bank-statement options.

Questions people ask

Is this only for business owners with employees?

No. Eligible independent contractors may fit, depending on the lender.

Is it the same as a bank-statement loan?

No. The main income proof and the calculations differ, although some lenders offer both.

Your next step

Tell me what you're trying to do. I'll check which options fit your situation and walk you through the tradeoffs.

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Related topics

Bank-statement mortgage Profit-and-loss (P&L) mortgage Asset-depletion or asset-qualifier mortgage Medical-professional mortgage ITIN mortgage Mortgage with tip income See the loan programs All topics
Marcus Wright
Who you'll work with

You work with me, start to finish.

Marcus Wright · Loan Officer, NMLS #2789841

Originates through Q Mortgage LLC, NMLS #2567464. Licensed in Texas.

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I aim to get back to you within a few working hours, often sooner.

Se habla español. Every page and form here works in Spanish.

How it works

  1. 1. Tell me your goalCall, book a time or send a note. No SSN and no credit check to start a conversation.
  2. 2. I compare your optionsI look at your income, property and plans, and explain the costs and tradeoffs of each route in plain language.
  3. 3. Apply when you're readyYou apply through a secure application. The lender's underwriting makes the final decision, and I keep you updated until closing.
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(682) 403-3406Tap to call Pick a timeBook a call on my calendar Weekend timeSat–Sun, 11 a.m.–7 p.m. Central. I confirm it personally. marcus@qmortgage.aiEmail me anytime

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I aim to get back to you within a few working hours, often sooner.

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