Refinance or restructure your loan with clarity, compliance, and confidence — even if your situation doesn’t fit the traditional lending box.

Smart Mortgage Solutions When Banks Say No

At Call The Mortgage Guy, we help borrowers navigate non-QM, refinance, and custom loan solutions by starting where most lenders don’t: proper underwriting and compliant structure.
Whether you’re self-employed, carrying unconventional income, or stuck in an unfavorable loan, we focus on building terms that actually work — not just pushing applications.

1099 Income Loan Options

Flexible home financing solutions for self-employed and independent contractors using 1099 income

1099 Loan Program Highlights

Loan amounts available from $150,000 up to $3 million+
Purchase, cash-out refinance, rate & term refinance, and delayed financing options
Eligible for primary residences, second homes, and investment properties
No traditional tax returns required for many programs
Recent credit events such as foreclosure, short sale, bankruptcy, or deed-in-lieu may be considered after required seasoning periods
Use one or two years of 1099 income, plus year-to-date earnings when applicable
Additional income verification may include earning statements, pay records, or bank statements
1099 income should come from a consistent source and be issued in the borrower’s personal name
Borrowers should have a stable work history in the same line of business, typically two years or more

Mortgage Solutions for 1099 Earners

Our 1099 income loan program is designed for self-employed borrowers and independent contractors who earn income through 1099s.

Many freelancers, gig workers, consultants, and business owners may not qualify under traditional mortgage guidelines that rely on W-2 income. With a 1099 loan, qualified borrowers may use their 1099 earnings and alternative income documentation instead of tax returns, creating a flexible path to homeownership.

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Built for Borrowers Who Don't Fit the Bank Box

Mortgage Solutions Designed for Real-World Financial Situations

Most lenders are trained to look for reasons to say no.
We’re built to look deeper.

At Call The Mortgage Guy, we specialize in refinance and non-QM solutions for borrowers with complex income, unconventional circumstances, or loans that no longer serve them. Our approach starts with underwriting and structure — not just rate sheets or automated approvals.

Ready to See What's Possible?

Start With a Conversation - Not An Application

You don’t need perfect credit, clean W-2s, or a bank-approved story to get clarity.
We’ll review your situation, identify where the friction is, and determine whether a better structure exists — before you commit to anything.

STILL NOT SURE?

FAQ's

Can I get a mortgage with 1099 income?

Yes, many lenders offer mortgage options for borrowers who earn 1099 income. Qualified applicants may use recent 1099 forms, bank statements, or other approved income documentation to verify earnings.

Is 1099 income considered self-employed income?

In many cases, yes. Income reported on a 1099 is commonly treated as self-employed or independent contractor income for mortgage qualification purposes.

How is income verified for a 1099 loan?

Income may be verified using recent 1099 forms, year-to-date earnings statements, bank statements, or other supporting documents, depending on the loan program and lender guidelines.