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1099 Loans for Self-Employed Professionals
Home Financing Solutions for Independent Contractors
Updated: February 2026
Reviewed: February 2026 by Sebastian Naranjo, NMLS #2313958
We understand the unique challenges faced by self-employed professionals. If you're a 1099 worker, you've probably encountered roadblocks when applying for traditional mortgages. That's why we offer 1099 Loans to help independent contractors, freelancers, and other self-employed borrowers secure great home financing.
These types of loans makes home ownership a reality for those with unconventional income streams. Whether you're looking to buy a home, refinance, or invest, SRK CAPITAL has the home lending solution you need.
Why Choose a 1099 Loan?
Traditional mortgages often rely on W-2s and pay stubs to verify income. For 1099 workers, this can be problematic. Income for independent contractors can fluctuate, and tax deductions can lower your reported income.
That's where 1099 loans come in. These loans look beyond traditional requirements and focus on your real earning potential. This means lenders will base your loan approval on documents like bank statements, 1099 forms, or profit-and-loss statements.
1099 Forms
Use your 1099 forms as primary income verification
Bank Statements
Demonstrate earning potential through cash flow
P&L Statements
Show business profitability and income trends
A 1099 loan gives you the flexibility and support needed to navigate the home buying process on your terms.
Who Qualifies for this Type of Loan?
These types of loans are best for:
Freelancers
Independent contractors
Real estate agents
Consultants
Gig economy workers
Small business owners
If you get income from a Form 1099 or similar non-traditional income sources, this is a loan to consider.
Benefits of a 1099 Loan
Competitive Loan Terms
This loan program offers competitive interest rates and flexible loan terms. You'll have access to financing options that work for your unique financial situation.
Higher Loan Amounts
This type of loan considers your overall earning potential, you can qualify for higher loan amounts than with traditional mortgages. This means you can afford the home you want without unnecessary hurdles.
Quick and Streamlined Process
We know your time is valuable. 1099 loans are quick to finish, so you can close on your home faster.
Emphasis on Support
At SRK CAPITAL, we understand the self-employed lifestyle. Our team works closely with you to make sure the loan process is simple and stress-free.
How Does The Process Work?
Step 1: Loan Consultation
Start by scheduling a free loan consultation. We'll discuss your financial situation, goals, and loan options. We will go over the steps of the home loan process, so you'll know what to expect.
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Step 2: Collect Loan Documents & Finish an Online Loan Application
We review your income verification, like your Form 1099s, bank statements, and ID. You also finish an online loan application. Our team reviews everything to make sure you qualify.
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Step 3: Loan Pre-Approval
Once we verify your income and review your credit, we'll pre-approve your loan. Our streamlined process ensures minimal delays. We follow the same underwriting requirements as the lender. That way, we know your loan will be approved once you find a home.
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Step 4: Find A Home & Close Your Loan
Once you find a home and are under contract, leave the rest to us. You sign the paperwork, and you are done! Whether you're buying, refinancing, or investing, we'll help you close quickly and confidently.
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FAQs About 1099 Loans
Get answers to frequently asked questions about 1099 loans.
Why Choose Us?
Get the Lowest Rates
Save money with our competitive rates and smart mortgage choices
Seamless Lending Process
Experience a seamless loan process 5-Star service from our team
Find the Perfect Loan for You
Discover flexible loan options to suit your financial goals
Ready to Begin?
Easy Steps to Acquire Our 1099 Loans
To get started, simply reach out to one of our team members today for a free personalized loan consultation. We will guide you through the mortgage process, from start to finish. And we are committed to finding the best loan program based on your financial goals.
Explore
Browse through our diverse range of mortgage products to find the ideal fit for your needs.
Apply
Our streamlined application process ensures a hassle-free experience when applying for a mortgage loan.
Consult
Consult with our experts to learn more about fixed rate loans and make informed decisions for your mortgage.
Calculate
Speak with our team to get a detailed monthly mortgage payment breakdown so you can plan your finances effectively.
Pre-Approval
Gain a competitive edge in the real estate market by getting pre-approved for your mortgage with SRK CAPITAL.
Your Path to Home Ownership Starts Here
Don't let traditional mortgage requirements hold you back. With SRK Capital's 1099 Loan Program, you can achieve your home ownership or investment goals without compromising on quality financing!
Take the first step today. Contact SRK CAPITAL today to schedule your free consultation and discover how our 1099 loans can work for you.
SRK CAPITAL – Offering Mortgage Solutions for Every Income Situation.
Financial Disclosure
The information provided on this page is for educational purposes only and does not constitute financial, legal, or tax advice. Mortgage rates and terms are subject to change and may vary based on your individual financial situation. Please consult with a licensed mortgage professional at SRK CAPITAL for personalized guidance.