Mortgage Options for 1099 Earners
Your 1099 Income Shouldn't Hold Back
Your Mortgage.
Independent contractor? Freelancer? Consultant? You may be able to qualify using your 1099 income instead of traditional tax-return documentation.
1- or 2-year 1099 documentation options
Built for eligible freelancers and independent contractors
Purchase or refinance options
Alternative income qualification
No obligation. Program eligibility and terms depend on the full loan scenario.
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Why 1099 Mortgage
You Earn Differently. Your Mortgage Can Work Differently.
Use 1099 Income
Your 1099 documentation may be used to establish qualifying income.
Made for Independent Earners
Freelancers, consultants and qualifying contract workers may fit.
Less Dependence on Traditional Tax Returns
The program can use 1099 documentation in lieu of tax returns for eligible borrowers.
one application
Apply once and get the lowest available rate from
147 different lenders
No repeat paperwork, no shopping around. We take one application and compare it across our full lender network to find the rate you actually qualify for.
Lender wordmarks to be dropped in
How Really Estate Works for You
Submit one application
Complete our quick online form with your basic information and what you're financing. Takes just minutes.
We shop 147 lenders
Your profile is compared across our full network of wholesale lenders, in real time.
Review your best options
See personalized rate quotes and loan terms side by side, all in one place.
Choose and close fast
Pick your preferred offer and our team guides you through a smooth closing.
Only Top-Rated Lenders, Really
Work With Experts Who Understand Investors
Finding the right mortgage lender can make all the difference when buying. At Really Estate, we understand that this is a critical decision and are committed to helping our clients find the best lenders to suit their needs.
Our platform provides a simple and easy-to-use tool to search for and find an lender in your area. Our lenders are carefully selected based on their expertise, experience, and track record of success. With Really Estate, you can rest assured that you'll really be working with the best in the business.
What sets Really Estate apart from other real estate platforms?
Our lenders are not only highly qualified, but they are also backed by a team of dedicated experts. We provide ongoing support, training, and resources to ensure that our lenders are always up-to-date with the latest industry trends and best practices. This means that when you work with a Really Estate recommended top rated lenders, you're working with someone who is knowledgeable, professional, and committed to delivering outstanding results. We partner with a broad network of real estate professionals who deliver exceptional service at discounted rates. Our commitment to working with only the best in the industry ensures that you receive the highest level of service while also saving you money.
At Really Estate, we believe that finding the right lender is key to a successful real estate transaction. That's why we go the extra mile to ensure that our clients are paired with a lender who understands their unique needs and goals. With our user-friendly platform and expert team, we make it easy for you to find the perfect lender to buy your home.
Program Details
Flexible Options for 1099 Earners
1 or 2 Years of 1099s
Qualifying income can be documented with one or two years of 1099s instead of tax returns.
Purchase or Refinance
Purchase, rate-and-term and cash-out scenarios may be reviewed.
Primary, Second Home or Investment
Eligible on 1-4 unit primary residences, second homes and investment properties.
Loan Amounts From $100,000
Program maximums run up to $3 million depending on credit, occupancy and loan-to-value.
30- and 40-Year Options
Fixed-rate and interest-only structures are available on eligible scenarios.
Credit Scores From 660
Higher scores open higher loan-to-value and loan-amount tiers.
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