If you’re a contractor, freelancer, or self-employed worker receiving 1099 income, traditional loan requirements can be a hurdle. 1099 Mortgage Loans offer a flexible solution by using your income history to help you qualify without W-2s or pay stubs. We make it easier to move forward on your terms.
If you’re a freelancer or independent contractor, a 1099 mortgage lets you qualify based on your actual income — not a traditional W-2. LUMI Funding Group makes homeownership more accessible for self-employed borrowers with flexible documentation, allowing you to use 1099 forms and tax records to verify income. This is a smart solution if you run your own business or earn through contract work.
Traditional mortgage rules don’t always fit modern workers. With a 1099 mortgage loan, you can get approved using your documented 1099 earnings from freelance, consulting, or gig jobs. LUMI Funding Group helps you avoid the roadblocks of conventional loan requirements and supports you with expert guidance, competitive rates, and a smoother path to homeownership for non-traditional earners.
Whether you’re a content creator, rideshare driver, or independent consultant, 1099 mortgage loans are designed for income that doesn’t come with a pay stub. LUMI Funding Group understands the unique needs of today’s self-employed workforce and offers mortgage solutions that consider your full financial picture — including profit and loss statements, 1099s, and business income history.
Forget jumping through hoops to prove your income. If you’ve been self-employed for at least two years and receive 1099s, you may qualify for a mortgage without W-2s or pay stubs. We offer flexible terms, low down payment options, and competitive interest rates to help you qualify based on the income you actually earn — not what’s left after deductions.
A 1099 mortgage is perfect for self-employed professionals with solid earnings but complex tax returns. LUMI Funding Group simplifies the approval process with less focus on net income and more attention to real financial capacity. You’ll get the chance to buy or refinance without being penalized for writing off business expenses or lacking W-2 documentation.
Getting a mortgage when you’re self-employed doesn’t have to be difficult. With a 1099 loan, you can qualify using your gross income from contract work or freelance gigs. LUMI Funding Group guides you through the process with transparency, helping you gather the right documents and get approved faster. It’s time to stop renting and start building equity — on your terms.
Traditional mortgages aren’t built for freelancers, gig workers, or independent contractors — but 1099 loans are. Instead of relying on W-2s and pay stubs, these loans use your actual 1099 income to determine eligibility. That means fewer roadblocks, more flexibility, and a faster path to approval. If you’re self-employed and ready to buy or refinance, a 1099 loan could be your best option to secure home financing without compromising your financial reality.
A 1099 Mortgage Loan is designed for contractors, freelancers, and self-employed workers who receive 1099 income instead of W-2s. Rather than relying on pay stubs, the loan uses your documented 1099 earnings and income history to determine eligibility, giving you a flexible path to buy or refinance a home.
If you have been self-employed for at least two years and receive 1099s, you may qualify without W-2s or pay stubs. It is ideal for independent contractors, consultants, gig workers, content creators, and other non-traditional earners with solid documented income.
Instead of W-2s, you can verify income with your 1099 forms, tax records, profit and loss statements, and business income history. LUMI Funding Group guides you through gathering the right documents so approval moves faster.
Yes. 1099 loans focus on your real financial capacity rather than the net income left after deductions, so you are not penalized for legitimate business write-offs that reduce your taxable income.
1099 mortgages come with competitive interest rates, flexible terms, and low down payment options. Your exact terms depend on your credit profile, income documentation, and loan amount, and our team will walk you through what you qualify for.
Yes. A 1099 loan works for both purchasing and refinancing. If you already own a home and earn 1099 income, it offers a way to refinance based on the income you actually earn, without conventional W-2 requirements.
