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Calistoga runs on independent work. Wine consultants, spa contractors, and hospitality freelancers all earn 1099 income here.
Traditional lenders see that income and hesitate. A 1099 loan is built specifically for how you actually get paid.
620+
Min Credit Score
1099s (1–2 years)
Income Doc
10–20%
Down Payment
2 years typical
Self-Employment History
1099 Loans in Calistoga
Lenders use your 1099 forms — typically two years — to calculate qualifying income. No tax returns required on most programs.
Credit score minimums usually start at 620. Expect down payment requirements of 10–20% depending on the lender.
Local decision guide
Use this guide to connect 1099 loans eligibility, lender expectations, and local market factors before comparing payment options in Calistoga.
Calistoga runs on independent work. Wine consultants, spa contractors, and hospitality freelancers all earn 1099 income here.
Traditional lenders see that income and hesitate. A 1099 loan is built specifically for how you actually get paid.
Lenders use your 1099 forms — typically two years — to calculate qualifying income. No tax returns required on most programs.
Most retail banks won't touch 1099 income without clean tax returns showing strong net income. Wholesale lenders are different.
We work with 200+ wholesale lenders. Several specialize in non-QM products built for 1099 earners at Calistoga price points.
The biggest mistake I see: borrowers apply at their bank, get denied, and assume they can't qualify. That's wrong.
Your gross 1099 income is often used — not the reduced net income on your tax return. That difference can be significant.
Bank statement loans are the closest alternative. They use 12–24 months of deposits instead of 1099 forms.
If your write-offs are heavy, a bank statement loan may show stronger income. We run both scenarios before recommending one.
Calistoga property values reflect Napa County's premium. Loan amounts need to match, and many 1099 borrowers qualify for jumbo tiers.
Wine industry contractors and boutique hospitality workers are common here. This income type is exactly what 1099 programs are designed for.
Most lenders want 24 months of 1099s. Some allow 12 months with strong compensating factors like high credit or large reserves.
Yes. Mixed income is allowed. Lenders will document both sources and may combine them for qualifying purposes.
Not the way they hurt a conventional loan. Most 1099 programs use gross income from your forms, not your taxable net.
Yes, typically. Non-QM programs carry a rate premium for the added flexibility. Rates vary by borrower profile and market conditions.
Seasonal income is common in Napa. Lenders average it over 24 months, so consistent year-over-year earnings matter most.