1099 Only Loans

Qualify with Your 1099 Only, No Tax Returns Required

If you’re self-employed, an independent contractor, freelancer, or commission-based professional, qualifying for a traditional mortgage can be challenging. Our 1099 Mortgage Loan program is designed specifically for borrowers who receive IRS Form 1099 income instead of W-2 wages, making home financing simpler and more accessible.

Unlike conventional mortgage programs that rely on tax returns and adjusted taxable income, our 1099 loan program allows qualified borrowers to use their documented 1099 earnings to qualify. This helps many business owners and independent professionals who maximize tax deductions but still have strong earning power.

Whether you’re purchasing a primary residence, second home, or investment property, we provide flexible underwriting with competitive rates and a streamlined approval process.

Why Choose Our 1099 Only Loans program

• No Tax Returns Required
• Use 1 or 2 years of 1099 income to qualify
• Ideal for Self-Employed Borrowers
• No W-2s or Pay Stubs Required
• Available for Purchase, Rate & Term Refinance, and Cash-Out Refinance
• Loan Amounts Up to $5 Million
• Primary Residence, Second Homes & Investment Properties
• Flexible Credit Guidelines
• First Time Home Buyers are welcome 
• Competitive Interest Rates
• Fast Approvals and Closings

Eligible Property Types

Our 1099 Only loan program is available for a variety of primary and investment properties, including:

• Single-Family Residences (SFR)
• Townhomes
• Warrantable and eligible Non-Warrantable Condominiums
• Condo-Hotel 
• 2–4 Unit Residential Properties
• 5-8 Unit Multifamily  Properties
• Planned Unit Developments (PUDs)
• Long-Term Rental Properties
• Eligible Short-Term Rental Properties (Airbnb & Vacation Rentals)

Who Is a 1099 Only Loan Best For

Our 1099 Mortgage program is ideal for:

• Business owners
• Self-employed professionals
• Real estate investors
• Consultants
• Realtors
• Doctors 
• Attorneys
• Independent Contractors
• Freelancers
• Commission-based  borrowers

If your taxable income is reduced by business deductions, depreciation, or write-offs, a 1099 Loan may allow you to qualify for a significantly larger mortgage than a conventional loan.

Benefits of Choosing Nations Trust Mortgage

At Nations Trust Mortgage, we specialize in Non-QM mortgage solutions designed for today’s self-employed borrowers. We understand that traditional lending guidelines don’t always reflect your true income. Our experienced mortgage professionals work with multiple wholesale lenders to find the best 1099 loan program for your unique financial situation.

Whether you’re purchasing your dream home, refinancing your current mortgage, or accessing your home’s equity, we’ll help you secure financing with a smooth and efficient process.

When you work with us, you’ll receive:

• Expert guidance from experienced Non-QM specialists
• Fast pre-qualification
• Personalized loan options
• Competitive rates
• Responsive communication
• A streamlined mortgage process from application to closing

Our goal is to help you get approved quickly with the financing solution that best fits your financial profile.