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Blythe sits at the edge of the California desert near the Arizona border. A lot of workers here are self-employed, seasonal, or contract-based.
W-2 income rarely tells the full story in a market like this. A 1099 loan uses your contractor earnings to qualify — not a pay stub.
620 (typical)
Min Credit Score
1-2 Years
1099 History Needed
Non-QM
Loan Classification
Gross 1099 Earnings
Income Method
1099 Loans in Blythe
Most lenders want 1-2 years of 1099 forms. Some also want proof you're still actively working in the same field.
Credit score minimums vary by lender. Expect 620 as a common floor, though stronger files may see better terms. Rates vary by borrower profile and market conditions.
Local decision guide
Use this guide to connect 1099 loans eligibility, lender expectations, and local market factors before comparing payment options in Blythe.
Blythe sits at the edge of the California desert near the Arizona border. A lot of workers here are self-employed, seasonal, or contract-based.
W-2 income rarely tells the full story in a market like this. A 1099 loan uses your contractor earnings to qualify — not a pay stub.
Most lenders want 1-2 years of 1099 forms. Some also want proof you're still actively working in the same field.
Big banks rarely touch 1099 loans. This is non-QM territory — meaning non-qualified mortgage — and it lives in the wholesale and private lending space.
We work with 200+ wholesale lenders. That matters here because 1099 guidelines vary widely from lender to lender.
The most common mistake I see: contractors write off too much on taxes. Lower taxable income kills your qualifying power on a traditional loan.
A 1099 loan skips the tax return entirely. Your gross 1099 earnings — before deductions — are what lenders use to calculate income.
If you have strong business bank deposits, a bank statement loan may work better. Those use 12-24 months of deposits instead of 1099s.
If your 1099 income is inconsistent, a profit and loss loan — verified by a CPA — can sometimes give lenders more confidence.
Blythe has a high share of trade workers, truckers, and agricultural contractors. Many of those workers earn exclusively 1099 income.
Home prices in the area are lower than most of California. That keeps loan amounts manageable, even at non-QM rates.
Most lenders want two years. Some accept one year if your income is strong and consistent.
Yes. Lenders add up all 1099s in the same line of work. They want to see you're in one field, not scattered.
Not on a 1099 loan. Gross earnings are used, so deductions don't reduce your qualifying income.
Yes. Non-QM loans have no geographic restriction in California. Blythe is fully eligible.
Expect rates to run higher than conventional. Non-QM lenders price for added risk. Rates vary by borrower profile and market conditions.
Most non-QM lenders start at 620. Better scores get better pricing. Each lender sets their own floor.