Qualify for a mortgage with your 1099 income; no paycheck stubs, no W-2s, no hassle, no barriers
A 1099 home loan is designed specifically for self-employed Texans who don’t receive W-2 income. Instead of verifying your income with traditional documents, lenders use your 1099 forms to determine your eligibility. If you have steady 1099 income, this flexible mortgage solution could be exactly what you need to secure a new home, an investment property, or even a second home.
When you choose a 1099 mortgage loan in Texas, you gain access to a range of features specifically designed for self-employed borrowers:
These features make 1099 loans an excellent choice for independent professionals ready to secure a home on their own terms.
If you’re working hard as your own boss, you deserve a home loan that understands your financial journey. A 1099 mortgage is ideal for:
Even if you have multiple streams of income or seasonal income patterns, a 1099 loan provides the flexibility you need to showcase your real financial stability. Your non-traditional income deserves a non-traditional path to homeownership.
Getting started is easier than you might think. Here’s what you’ll typically need to meet to qualify for a Texas 1099 home loan:
Forget endless piles of paperwork. We’ll focus on your real earning power and provide guidance at every step.
Choosing a 1099 home loan offers a range of advantages tailored to your needs:
This is mortgage lending that works with you, not against you. Empower your homeownership journey with a program that recognizes your success and entrepreneurial spirit.
Your 1099 income can open doors to many types of property opportunities, including:
Wherever you’re headed, a 1099 mortgage can help get you there with flexibility and confidence.
Q: How many years of 1099 income do I need to qualify?
A: Typically, lenders require 12–24 months of documented 1099 income, but some programs may be flexible with just 12 months for strong applicants.
Q: Can I qualify if I have multiple 1099s from different clients?
A: Yes! Multiple sources of income can strengthen your application by showing diversified and reliable cash flow.
Q: What’s the minimum credit score?
A: Most programs prefer a 620+ score, but stronger scores may lead to better rates and terms.
Q: Can I refinance with a 1099 income loan?
A: Absolutely. You can refinance to lower your monthly payments, tap into your home equity, or even consolidate debt using a 1099-based mortgage.
You work hard for your income. Now let it work for you.
With 1099 home loans in Texas, you can achieve the dream of homeownership without the stress of traditional documentation. Whether you’re buying, refinancing, or investing, we’re here to guide you every step of the way with personalized service, competitive rates, and flexible programs built for self-employed success.
Owning a home in Texas should be possible no matter how you earn your income. With a 1099 mortgage loan, you can qualify based on your self-employed income, without the need for W-2s or traditional paperwork. Whether you’re a freelancer, independent contractor, or small business owner, we make it simple for you to turn your hard work into homeownership.
Call us at (877) 280-4833 now and speak to one of our 1099 Loan Specialists to get started. Let’s turn your entrepreneurial spirit into a new set of keys in your hand.
Buying a home as a 1099 earner shouldn’t feel like a guessing game. We make it simple to get pre-qualified—even without W-2s.
Get pre-qualified in minutes with no hard credit pull required. Our streamlined process is designed specifically for self-employed borrowers.
Work with mortgage experts who specialize in non-traditional income. We know how to assess real-world income from 1099s, gig work, and business deposits to help you qualify faster.
We’re mortgage brokers, not bankers—which means we shop across a wide range of lenders to find you the best pricing.
Speed matters, especially when you’re under contract. Our dedicated team stays on top of every detail so your loan closes smoothly and on time.
The Texas Mortgage Pros, LLC. is not affiliated with an agency of the federal government, HUD or FHA. THIS IS NOT A GOVERNMENT DOCUMENT. HUD or FHA did not distribute or approve this material.
The content provided within this website is presented for information purposes only. This is not a commitment to lend or extend credit. Information and/or dates are subject to change without notice. All loans are subject to credit approval. Other restrictions may apply.
