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Tiburon is one of Marin County's most expensive markets. Homes here routinely demand jumbo-level financing.
Many Tiburon buyers are consultants, founders, or creatives. Their income is real — it just doesn't show up on a W-2.
680+
Min Credit Score
1099 Forms (1-2 yrs)
Income Docs
20% Minimum
Down Payment
1-2 Years
Self-Employed History
Up to 12 Months
Cash Reserves
1099 Loans in Tiburon
A 1099 loan uses your contractor income to qualify — not tax returns. Lenders look at your 1099 forms from the past 1-2 years.
Most lenders want a 680+ credit score and 20% down. Self-employed borrowers with strong income history get the best terms.
Local decision guide
Use this guide to connect 1099 loans eligibility, lender expectations, and local market factors before comparing payment options in Tiburon.
Tiburon is one of Marin County's most expensive markets. Homes here routinely demand jumbo-level financing.
Many Tiburon buyers are consultants, founders, or creatives. Their income is real — it just doesn't show up on a W-2.
A 1099 loan uses your contractor income to qualify — not tax returns. Lenders look at your 1099 forms from the past 1-2 years.
Big banks rarely offer 1099 loans. This is a wholesale and non-QM lender product.
We work with 200+ wholesale lenders who specialize in non-traditional income. That access matters on a jumbo purchase in Tiburon.
The biggest mistake 1099 borrowers make is writing off too much. Lower taxable income kills your qualifying power.
We see this constantly in Marin. A borrower earns $300K but shows $80K after deductions. The 1099 loan solves that — it uses gross income.
Bank statement loans are another option. They use 12-24 months of deposits instead of 1099 forms — better if income is irregular.
Asset depletion loans work if you have substantial savings but low annual income. We match the loan to your actual financial picture.
Tiburon sits in one of California's highest-cost zip codes. Most purchases here cross the conforming loan limit and enter jumbo territory.
Non-QM jumbo products do exist, but they carry stricter reserve requirements. Expect lenders to want 12 months of payments in savings.
Most lenders want two years. Some accept one year with strong income history and compensating factors like high reserves.
Yes. Several of our wholesale lenders offer non-QM jumbo products. Reserves and credit score carry extra weight at those loan sizes.
A 1099 loan uses your contractor income documents directly. A bank statement loan uses deposit history instead.
Most programs start at 680. Higher scores open up better rates and lower reserve requirements.
Not with a 1099 loan — it uses your gross 1099 income. Tax deductions only hurt you on conventional or FHA loans.
Expect 20% minimum on a 1099 loan here. Jumbo non-QM products sometimes require 25-30% depending on the lender.