1099 mortgage loans in California are designed for contractors, freelancers, and self-employed borrowers who need flexible ways to document income. Get expert guidance and fast pre-qualification with Louis Doherty.
Loan options for 1099 and self-employed borrowers with flexible ways to verify income and competitive terms—without relying on traditional W-2 documentation.
Perfect for self-employed borrowers who want to use bank deposits to qualify instead of traditional tax returns.
Use just one year of 1099 income documentation to qualify for your mortgage loan with competitive terms.
Qualify using just your Profit & Loss statement - no bank statements required for maximum simplicity.
Combine your P&L with limited bank statements for enhanced loan terms and higher loan-to-value ratios.
Use your liquid assets to qualify for financing when traditional income documentation isn't available.
Get qualified with only one year of self-employment history - ideal if you're newly licensed and can document your business license.
Designed specifically for the unique needs of entrepreneurs and business owners.
Streamlined documentation means faster loan processing and quicker closings compared to traditional mortgage programs.
Multiple documentation options allow you to choose the program that best fits your business structure and record-keeping.
Access competitive interest rates despite alternative documentation - rates that reflect your true creditworthiness.
Finance primary residences, second homes, and investment properties with the same flexible programs.
Work with a loan officer who understands self-employed income and can help you choose the right mortgage option—while reviewing your debt to income ratio (DTI) and credit card obligations.
Maintain your financial privacy with alternative documentation that doesn't require full tax return disclosure.
See how our flexible programs compare to traditional mortgage requirements.
Speak with a lending specialist about 1099 mortgage loans in California and discover which program works best for your situation.