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Suisun City sits in Solano County, a region with a growing base of independent contractors and self-employed workers. Standard W-2 loans don't work for this group.
A 1099 loan uses your contractor income to qualify — not a pay stub. Lenders look at what you actually earn, not what a box on a tax return shows.
620+
Min Credit Score
12–24 Months
1099 History Needed
10–20%
Down Payment
Non-QM
Loan Type
2 Years Preferred
Self-Employed Time
1099 Loans in Suisun City
Most lenders want 24 months of 1099 forms. Some accept 12 months if your income is consistent and your file is clean.
Credit requirements vary by lender. Expect a minimum around 620, though stronger scores open up better pricing. 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 Suisun City.
Suisun City sits in Solano County, a region with a growing base of independent contractors and self-employed workers. Standard W-2 loans don't work for this group.
A 1099 loan uses your contractor income to qualify — not a pay stub. Lenders look at what you actually earn, not what a box on a tax return shows.
Most lenders want 24 months of 1099 forms. Some accept 12 months if your income is consistent and your file is clean.
Most banks won't touch a 1099-only borrower. This is a non-QM loan — meaning it doesn't follow Fannie Mae or Freddie Mac rules.
We work with 200+ wholesale lenders at SRK CAPITAL. Several specialize in non-QM programs built exactly for 1099 earners. Retail banks aren't your best move here.
The biggest mistake 1099 borrowers make: writing off too much. High deductions lower taxable income, which kills qualifying income on tax returns.
With a 1099 loan, lenders use your gross 1099 income — not the net after deductions. That can make a huge difference in what you qualify for.
Bank statement loans use 12–24 months of deposits instead of 1099s. If you have business expenses that complicate your 1099 picture, that route may work better.
Profit and loss statement loans are another option. Your CPA prepares a P&L, and lenders use that to verify income. Each path has different documentation demands.
Suisun City is an affordable entry point in Solano County. That matters for 1099 borrowers who may qualify for less than a W-2 earner with the same gross income.
The area draws commuters to Travis AFB and the greater Bay Area. Many work contract or gig roles. A 1099 loan is often the clearest path to ownership here.
Some lenders accept 12 months. Most want 24. A strong credit profile and consistent income improve your chances with 12-month programs.
Yes, typically. Non-QM loans carry more risk for lenders. Rates vary by borrower profile and market conditions.
Lenders average your 1099 income over 12 or 24 months. Seasonal variation is common — it usually doesn't disqualify you.
Most 1099 programs require 10–20% down. Higher down payments can offset weaker credit or shorter income history.
Yes. Several non-QM lenders offer 1099 programs for investment properties. Terms differ from owner-occupied purchases.
Conventional loans use tax return income. If your write-offs reduce taxable income significantly, you may not qualify — even with high gross earnings.