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Use 1099 Earning Statements In Lieu Of Tax Returns

Our Bank Statement program also includes a 1099 income only option. This is great news for a self-employed borrower who is a 1099 earner who cannot qualify for a full doc mortgage loan. Even better is that we will look at the most recent 1099 statements from one to two years ago.


  • No tax returns are required
  • Most recent one to two years 1099 plus year to date earning statement allowed
  • Year to date bank statement submissions allowed
  • 1099s must be from a single employer for the last two years
  • Purchase, cash-out or rate-term refinance
  • Up to 90% LTV
  • Credit scores starting at 660

1099 Income Loan