Mortgage Loans for Self-Employed Freelancers
- No tax returns needed
- Down payments as low as 20%*
- May qualify with only 12 months of 1099-NEC with same employer*
- 100% of 1099 income considered
- 700 minimum credit score; $175,000 minimum loan amount*
Being self-employed shouldn't make it difficult to qualify for a mortgage.
Working for yourself has advantages, but getting a mortgage with a nontraditional income as a freelancer can be challenging. A 1099 loan from NASB does not require personal or business tax returns, W2s, or paystubs to verify your income.* Instead, we can review 1099-NEC earning statements to calculate your qualifying income. Our mortgage experts will walk you through every step of the process—fast and worry-free.
Our 1099 home loans are an excellent option for:
- Freelancers
- Independent contractors
- Entrepreneurs
- Consultants
- Gig workers
- Truckers
- Realtors
What Our Customers Say
Philip G., August 14, 2022
★★★★★ (5)
"NASB provides the small business owner and the self-employed means to qualify for many types of mortgages. All the staff in contact with me are extremely helpful and update me on pertinent information I need to know throughout the mortgage process."
"NASB provides the small business owner and the self-employed means to qualify for many types of mortgages. All the staff in contact with me are extremely helpful and update me on pertinent information I need to know throughout the mortgage process."
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*1099 loans require a minimum 700 FICO score, a minimum loan amount of $175,000 (exceptions include mortgage products for properties located within the Greater Kansas City metro and surrounding areas), and a 20% down payment. A lower FICO score or down payment may be available with eligible compensating factors. Must have a two-year history in the same line of work. Contact a NASB Loan Officer for details on the excluded areas and/or zip codes. The product is not available in New York, the Chicago or Baltimore metropolitan areas and not in all locations or for all property types. Loans are subject to underwriting, eligibility criteria, and other factors. Your Loan Officer will provide more information regarding 1099 loans and what may work best for your situation.